xBank is a decentralized non-custodial liquidity market protocol. xBank manages deposits for lenders and facilitates lending of the deposited asset for borrowers while conducting appropriate risk management to protect the lenders from risks of illiquidity and insolvency. The lenders earn passive interest income from the algorithmically derived interest rate while the borrowers take out a loan of the supplied assets in an overcollateralized & perpetual manner by paying a floating interest rate as determined by the supply and demand for the asset.