VIAZ is a decentralized application (“DAPP”) bridging the gap between lenders and borrowers of fiat and digital currencies. VIAZ will employ VIAZ Smart Contracts for transactions initiated on the VIAZ Platform. Just as similarities and differences exist between digital and fiat currency, a closer examination of VIAZ compared to the traditional banking system reveals both converging and diverging characteristics. A notable similarity is that the VIAZ Platform, by putting potential borrowers in direct contact with potential lenders, empowers users to borrow, lend, and transfer currencies throughout a global network. But, unlike banks, the VIAZ Platform will provide a more efficient, cost-effective and secure service for all users.