Timeswap is the first fully decentralized lending & borrowing protocol in DeFi. Timeswap enables the permissionless creation of lending & borrowing markets for any ERC-20 token pair using a 3-variable AMM - (x+y)z=k Timeswap provides fixed maturity lending & borrowing of ERC-20 tokens at fixed rates Timeswap is Oracle-less - thereby eliminating any Oracle manipulation hacks which plagues existing money markets Timeswap provides non-liquidatable loans which increases capital efficiency for borrowers Timeswap is a fully self-sufficient AMM that enables Uniswap like permissionless creation of lending / borrowing markets for any token, thereby enabling additional utility for long tail assets as well as improving capital efficiency in existing lending & borrowing markets. Like Uniswap, but for lending & borrowing.