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hello world its siraj and in this tutorial video im going to show you how to build a decentralized lending app that lets a user borrow money by first depositing some money as collateral all without needing permission from a bank or corporation anyone in the world can participate this will be an app that uses the standard languages of the web namely javascript for interactivity and html for its layout but the core lending logic will be written as smart contracts in a language called solidity so that they can be stored on the ethereum blockchain which is an unstoppable world computer that no entity can modify or shut down the problem though with ethereum is that making any kind of transaction requires high fees so well deploy the app instead to a blockchain called polygon with much lower fees polygon is an ethereum compatible blockchain that has faster transactions and much lower fees but has the same security benefits as ethereum because its connected to it the way the user flow wor