# Overview

At its core, Kaleido Finance provides a decentralized, transparent environment for users to lend and borrow assets directly with one another, without relying on centralized liquidity pools. Leveraging **Luca AI**, Kaleido introduces a smarter user experience that dynamically personalizes interactions, improves risk profiling, and enhances credit matching.\
With over 1M+ wallets engaged through our points testnet campaign, Kaleido is strategically positioned to become the foundational DeFi layer on **AbstractEVM**.

Key Innovations:

* Modular architecture using the **EIP-2535 Diamond Standard** for upgradability
* Real-time interaction-based point system
* Integrated **wallet-linked referral engine**
* Seamless social login (via X) + AI-native UX

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