Hi toyo, please be more specific about what you need to know. This post is in reference to the fact that LendLedger operates on a two token system. One token, LOAN, is for sale to the public and will as such be volatile and inappropriate for using to make loans. Our second token Ledger Credit, is a non-fungible accounting unit used to make loans within the system. We have an actor called a Credit Node who makes exchanges between the two; staking LOAN to release Ledger Credit. See our Tech Paper for more information.