Pledge Protocol (Pledge) is an algorithm-driven, financial NFT based, cross-chain ecosystem covering ledning and derivatives on many major public chains. At the current stage pledge first builds under the platform on the Binance Smart Chain.  
Pledge is a decentralized protocol which establishes money markets with algorithmically fixed interest rates and provides its own token in exchange called PLGR tokens based on the supply and demand of certain crypto currencies. This allows users to frictionlessly exchange the time value of money derived from collateralized digital assets and stablecoins. 

Pledge Whitepaper