Xend Finance (XF) is a decentralized credit union protocol designed to optimize, improve and add value to the core business of credit unions worldwide. The Xend Financial Protocol is decentralizing the saving, lending, lending, and investing operations of credit unions and providing multi-tiered interest returns to members of these cooperatives. Xend Finance is the first protocol targeting the over $2.2 trillion credit union global market.

The Xend Finance network uses XEND as its native network token. XEND token is used to reward users for saving, investing and performing different actions on the network.
Xend Finance allows credit union operations and personal savings operations on smart contracts. Xend Finance's native protocol blockchain charges credit unions a small fee to create the union on a smart contract and charges the fee every full savings cycle. Fees are paid in XEND tokens. A portion of the fee is used to buy back XEND tokens to increase the liquidity of the protocol.