UniLend is a groundbreaking decentralised finance (DeFi) protocol that blends spot trading services and money markets with lending and borrowing functionalities on the Ethereum blockchain. Originating in 2020, UniLend aims to overcome the limitations of traditional DeFi platforms by allowing any ERC20 token to be listed and utilized for diverse financial services. Unlike conventional systems, UniLend enables users to list any token for trading, lending, and borrowing without outdated restrictions, effectively democratizing DeFi access. At its core, UniLend combines a permissionless protocol with a flexible, efficient market for all Ethereum-based assets, supported by the UFT (UniLend Finance Token), which helps drive governance and incentivization within the platform. By introducing interoperability and inclusivity, UniLend is positioning itself as a comprehensive solution for users looking to maximize their asset liquidity and engage in decentralised financial activities.