PWN is a permissionless, peer-to-peer, fixed-rate DeFi lending protocol that allows users to lend or borrow against any digital asset, including NFTs, with customizable terms and no automatic, price-based liquidations. The platform offers curated, multi-asset, fixed-yield strategies and features 'Pool Hooks,' which let funds earn yield in other DeFi protocols (like Aave, Euler, or Compound) while awaiting proposal acceptance on PWN. It also includes a reputation scoring system, positioning active users as future stakeholders in the PWN DAO, which governs the protocol's development and management.