NAOS Finance is The DeFi Protocol transforming Real World Lending. Changing the face of DeFi by bringing real world assets onto the chain. NAOS Finance is an interoperable marketplace for loans backed by offline income streams. We aspire to bridge the multi-trillion dollar global credit gap by allowing lenders and borrowers to interact in a permission-less manner. Our protocol, built on the Ethereum blockchain and Interplanetary File System (IPFS), automates the tokenization of real-world assets and the end-to-end lending process. Our team is creating a decentralized financial network that: Enables the origination and funding of loans without traditional intermediaries; Instills full transparency in the previously opaque risk assessment and loan application process; Breaks the geographic boundaries for lenders and borrowers to transact in a borderless fashion; Transfers financial value (interest spreads, service fees) from financial institutions to lenders and borrowers; Offers the best interest rate on any comparable loan of the same risk profile and terms; Transfers custodial ownership of accounts from financial institutions to individuals; Democratizes irrefutable and immutable loan performance data that was held closely by centralized institutions; Accelerates the growth of the overall DeFi ecosystem with real world applications. To accomplish these ambitious goals, we need more than participation from the DeFi community. The NAOS team has already established a large network of over 2,000 small and medium enterprises (SME). This SME network provides immediate access to over $250 million, income generating, real world assets. With many DeFi projects lacking applicable real world usage, our asset base differentiates us and will propel our community to create more interesting DeFi applications. More importantly, we hope that the global credit gap problem can finally be properly addressed through our decentralized solution.