Microlending is the provision of small, low-interest loans to individuals and businesses. EasyFi intends to facilitate lenders offering undercollateralized loans of smaller value to borrowers. Inherent risks of credit default and non-payment are shared by existing lenders in a proportionate manner.

Lenders here provide liquidity to pools meant for portfolios of many dozens of microloans. By spreading the risk across a large number of lenders it is ensured that the whole portfolio is not wiped out and loss is shared. This facilitates the expansion of lending markets to new dimensions that DeFi has yet to witness.