UniLend is a permission-less DeFi protocol that combines spot trading services and lending/borrowing functionality within the same platform. Whereas current DeFi protocols support only ~30 assets, anyone can list any ERC20 asset on UniLend for decentralized trading and lending/borrowing. UFT token is UniLend's native governance token; holders of UFT can create proposals for, and vote on, a number of factors relating to the functioning of the protocol.