zkLend is a Layer-2 DeFi protocol that plans to adopt an ouroboros model to incentivize the participation in certain money market pools.zkLend combines zk-rollup scalability and affordability with Ethereum’s security. The money-market protocol also implements double-sided borrowing and collateralization factors, protocol-to-protocol lending and variable liquidation fees. zkLend’s native utility token, ZEND, can be staked, with users receiving an equivalent amount of staked-ZEND(stZEND). stZEND can be used for revenue share, boosted borrowing capacity, preferential rates and governance rights.