ZOS cross-chain distributed financial network (DeFi) is an open financial system with decentralized lending, stable currency and transactions, a sustainable and profitable financial public chain, connecting legal currency and digital currency, and building through three pillars A distributed financial system. The first pillar: ZosLending, through the mortgage lending business, allows financial institutions around the world to provide fiat currency lending services, and connects fiat currency and digital currency. The second pillar: ZUSD, through the issuance of stable bond currency ZUSD based on Bitcoin over-collateralization, to achieve low-interest lending, holding currency to generate interest, and reducing global lending rates. The third pillar: ZosEx, through the decentralized trading business, allows legal currency and digital currency to trade freely.