Xend Finance is the first protocol to target a market sector with over $2.2 Trillion of AUM in global credit unions. Centralized and fiat savings platforms are always limited by fees and cross border payments regulations that limit investing in other countries. The Xend Finance decentralized Credit Union protocol is built to optimize, improve and add value to the core operations of credit unions globally, removing the barriers of traditional finance and providing decentralized savings, lending, borrowing and investment operations of credit unions as well as providing multi-level interest returns to members of these unions.The native network token XEND is used to reward users for saving, investing and performing different operations on the network. XEND is also used to purchase insurance and protect assets within the protocol.Xend Finance allows Credit Union and individual saving operations to become automated via smart contracts. The system charges credit unions a small fee to create a union and a fee per complete save cycle, which is paid in $XEND. A percentage of the fee is burned, to reduce the circulating supply, and help to pay the first level of interest to holders. The smart contract periodically invests user savings (deposits) on DeFi lending protocols such as Compound, AAVE, & Yearn Finance Protocol, therefore producing the second level of interest for users.