EasyFi is a universal layer 2 lending protocol built for DeFi, focusing on scalability, composability, and adoption. It is an open network infrastructure designed to operate on public networks, enabling lending and borrowing of digital assets and related financial products. EasyFi is blockchain agnostic, allowing for cross-chain asset settlements, and utilizes a Proof-of-Stake consensus mechanism. The network design is ethereum compatible and facilitates the quick settlement of assets across different blockchain networks while retaining custody with the asset owner's network. The cross-chain framework enables lending and borrowing across various markets, including private platforms and permissionless public networks. The network is secured by a proof of stake mechanism and governed through participating voters to achieve consensus among network participants.