LEND Pitchdeck


LEND is a natural extension of the TEN Finance Ecosystem that is currently on the BNB Chain, and soon launching the native $LEND token on the Cube Network! LEND by TEN Finance has plans to quickly expand to Avalanche, Cronos and Ethereum amongst other EVM compatible chains.

LEND will establish pools of algorithmically derived interest rate model, based on current supply and demand of each respective asset. Suppliers and Borrowers of assets interact directly with the protocol in earning and paying a floating interest rate.

This is all done without the need to negotiate terms of maturity, interest rate or collateral with any peer or counterparty! LEND Money Markets will only supply the most liquid assets available to the markets.

TEN, the Token Enrichment Network, is the next generation of Decentralized Finance, SIMPLIFIED. Powered by BNB Chain, TEN Finance leverages the innovations brought to the market by first generation DeFi projects and integrates emerging technologies to enhance yield optimization in a simple yet efficient manner.

TEN simplifies the staking and lending process with the most liquid LiquidityPools and Tokens while providing a robust yield earning and lending environment for the users.

TEN is Decentralized Finance, Simplified!

Platform Fee Distribution

Platform Fee Rewards














  • 2% - 20,000,000 LEND Allocated for Seed Round

  • 16% - 160,000,000 LEND Allocated for Private Round

  • 2% - 20,000,000 LEND Allocated for Public IDO

  • 40% - 400,000,000 LEND Allocated for Lenders & Borrowers

  • 20% - 200,000,000 LEND Allocated for LEND/BNB Rewards

  • 15% - 150,000,000 LEND Allocated for Airdrops

  • 7.5% - 75,000,000 LEND Allocated for Collaborator Incentives

  • 7.5% - 75,000,000 LEND Allocated for TEN Finance Dev Team

Distribution Details

LEND Revenue

Platform Fee:

  • 50% of the LEND fees are distributed to TEN Finance

  • 25% of the LEND fees are distributed to tLEND Lockers & Stakers

  • 25% of the LEND fees are distributed to TEN Lots Holders

Example: For every $1 earned by :platform, $0.50 goes to TEN Finance, $0.25 goes to tLEND Lockers & Stakers and $0.25 goes to TEN Lots holders.

Penalty Fees:

  • 100% of the Penalty fees are distributed to tLEND Lockers

Private Rounds & IDO

Seed Round

  • 20,000,000 LEND

  • 5% available at TGE, then 4 month cliff with monthly linear vesting from month 5 to 15 at 8.64% per month

Private Round

  • 160,000,000 LEND

  • 10% available at TGE, then 3 month cliff with monthly linear vesting from month 4 to 12 at 9.44% per month

Public IDO

  • 20,000,000 LEND

  • 15% available at TGE, then 1 month cliff with monthly linear vesting for 5 months at 17% per month


Airdrop of LEND tokens

  • The airdropped LEND is subject to a mandatory three (3) month cliff, and cannot be unlocked early

  • 25% unlocked on day 91 with a further 25% unlocked every 90 days

Requirement for LEND token Airdrop

  • Hold minimum of 10,000 TENFI Tokens

  • 12 month vesting period • 25% unlocked every 90 days • 2 LEND tokens per 1 TENFI held • TEN Finance will check every 90 days for TENFI held, if TENFI falls below 10,000, remaining LEND airdrop will be forfeited

Airdrops to Various DeFi Communities (Curve, Venus, AAVE, Compound)

  • 3 month cliff, 25% released every 90 days, subject to longer terms

  • These airdrops are meant to incentivize and engage with different communities to get familiar with LEND platform

Lockers & Stakers


  • Users can lock tLEND tokens for three (3) months and will receive Platform Fee Rewards plus Penatly Fee Rewards in (USDT)

  • The locked tLEND is subject to a mandatory three (3) months lock, and cannot be unlocked early

  • Lockers earn the Penalty Fee Rewards from users who unstake their tLEND tokens before the 3 months Vesting period is



  • Users can stake tLEND tokens and receive Platform Fee Rewards in (USDT)

  • Users can unstake at any given point in time.

  • Users will be deducted a penalty from their Platform Fee Rewards if they unstake their tokens before Vesting period is complete

  • Penalty Fee Rewards will follow the structure below; • 50% penalty if user unstakes before 30 days • 35% penalty if user unstakes after day 31 and before day 60 • 25% penalty if user unstakes after day 61 and before day 90

The Big Picture

TEN Finance is determined to simplifying every absolute aspect of the DeFi process while at the same time providing a comprehensive product. An easy to use UI/UX will create the ease of entry to the DeFi ecosystem and in particular Yield Farming.

We believe that DeFi and in particular Yield Farming will be the new “savings” account of the future for everyone. Users everywhere will be able to earn passive income with DeFi platforms. TEN Finance allows the user to seamlessly interact in such a manner.

User interface and user experience is key to adoption, but more important is the simplicity of the process. Without simplicity, we only complicate, and thus this one word “Simplified”, defines ten.finance.

Contact Info:

Website: lend.finance Email: contact@lend.finance Twitter: twitter.com/tenfinance Github: github.com/tenfinance Telegram Group: t.me/tenfinance Telegram Channel: t.me/tenfinance_ann Facebook: facebook.com/tenfinance Medium: medium.com/tenfinance

Important Information & Disclaimer


This investor presentation (the “Presentation”) has been prepared by TEN. While this Presentation has been prepared in good faith and to the best of their ability by the TEN management, recipients should make their own independent investigations and inquiries regarding matters in this Presentation, and rely upon their own judgment as to the accuracy and completeness of any information. Any reliance placed by the recipient on any information shall be at their own risk and TEN and other related entities shall not be liable for any indirect or consequential loss whatsoever or howsoever arising.

Confidentiality Undertakings:

The information contained in this Presentation is being provided on a confidential basis to the recipient solely for the purpose of evaluating an investment in TEN. This Presentation may not be distributed, reproduced or used without the prior, written consent of TEN for any purpose other than the evaluation of TENS’ business. By accepting a copy of this Presentation (whether in hard or soft copy form), the recipient agrees, for itself and its related bodies corporate and each of their officers, employees, agents, advisors and other stakeholders, to maintain the confidentiality of this information. The recipient acknowledges and agrees that any reproduction or distribution of this Presentation , in whole or in part, or any disclosure of its contents, or use of any information contained in this Presentation for any purpose other than to evaluate an investment in TEN is prohibited. Where this Presentation has been provided to you under a non-disclosure and/or confidentiality agreement, the terms of said document(s) shall override any confidentiality terms contained herein.

Contemplated Transaction:

TEN reserves all rights in relation to the conduct of any transaction, including but not limited to the right to deal with parties on materially different terms, terminate discussions with any or all persons, alter or discontinue any offer to purchase shares in TEN at any time prior to entering into binding legal arrangements, all without prior notice or liability to any recipient of this Presentation or any other person. This Presentation does not purport to provide all of the information the recipient may require in order to evaluate an investment in TEN. Recipients should make any of their own inquiries and evaluations which they consider appropriate to verify the information provided herein.

Forward-looking Statements:

This Presentation may contain forward looking statements relating to TEN’s operations that are based on management’s current expectations, estimates, projections and assumptions about the business. These statements are not guarantees of future performance, results, achievements or other events and are subject to certain risks, uncertainties and other factors, some of which are beyond the control of TEN or their representatives and are difficult to predict. Actual outcomes and results may differ materially from what is expressed, forecast or projected in such forward-looking statements. No representations, warranties or undertakings are made as to the accuracy or reasonableness of such expectations, estimates, projections and assumptions.

This information is provided for general information purposes only and does not constitute an offer of any form of security or investment product. You should consult with your own investment advisers and lawyers before determining whether you are legally entitled to invest in a product of this nature in future and whether it is right for your investment profile. TEN can not and does not provide legal or investment advice and disclaims all legal responsibility in relation to such matters.

Last updated