Rayon is a decentralized matchmaking service protocol to build a lending marketplace, where users received optimized loan offers from both traditional financial institutions and crypto lenders. Rayon brings together borrowers and lenders through smart contracts to realize on-demand lending. Rayon seeks to build a scalable ecosystem which connects borrowers and lenders across all spectrums using blockchain technology. Rayon’s key value proposition is to eliminate unnecessary intermediary costs that exist in today’s retail financial services industry and to provide full transparency throughout the entire transaction process. Rayon will achieve this through the accurate and transparent exchange of user and product information. Rayon possesses product scalability potential into all types of loan products from unsecured lending, mortgages and crypto lending as well as other financial services such as credit cards, insurance and asset management.