MBA introduces a hybrid lending and borrowing protocol designed to synthesize the strengths of both CeFi and DeFi. Inspired by the concept of «bundle lending» akin to group purchasing or carpooling, the MBA protocol promotes collaboration among users to secure better financial deals for all involved.

By integrating the exclusive rates normally reserved for VIP clients of centralized services with the democratic and permissionless framework of decentralized systems, MBA aims to provide all participants with access to premium borrowing opportunities.