Decentralized Finance (DeFi) is the merger of traditional banking services with decentralized technologies. Essentially, it involves a brand-new monetary system being built on public blockchains. Decentralization means that there is not a single point of failure, as identical records are kept across thousands of computers through a peer-to-peer network.Decentralized finance leverages on several key principles of the Ethereum blockchain- Huge and diverse range of ERC-20 digital assets.- Over USD 50 billion combined market cap of Ethereum ecosystem as of Q3 2020.- Utilising smart contracts to provide a fully secure, transparent and open decentralized financial system.With skyrocketing Ethereum fees and the exorbitant costs of interacting with DeFi smart contracts, the MXX protocol was designed to mitigate these gas fees through utilising ultra-efficient coding and optimisation architecture. Multiplier introduces Simplified Stable Bonds (SSB) contracts, that offer the full benefits of bonds in a simplified version. Users with Ethereum/ERC-20 digital assets can supply their tokens to the Multiplier protocol through SSB contracts as a source of stable returns, without having to manage their assets, fulfill loan requests or take speculative risks.