The NiFi Protocol empowers users to utilize their NFTs as collateral for loans. This protocol facilitates oracle-free, peer-to-peer lending with fixed terms. Users have the option to choose from available offers on supported NFT assets or list their NFTs to attract lender bids. NiFi users have the flexibility to define their own loan terms and enable lenders to initiate loans swiftly. Simplifying on-chain borrowing, NiFi brings convenience to the borrowing process.