Quantocoin has lending protocol, but it is cryptobank, not lending platform, the best feature are low cost and promptitude.
I think Quantocoin wil use profit rate as in traditional bank.
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QTC Lending Protocol is the next step of the successful development of revolutionary QTC platform that provides the immediate cash backed with cryptocurrency pool. Contributors can now use the QTC mobile app to hold/store their crypto assets without the need to sell them.
Depend on portfolio value; the available cash balance is continuously changed and calculated by automated tokenized portfolio management algorithms (QTC RAM protocol).