Homelend P2P works by incorporating the business logic of mortgage lending into smart contracts. This is the core functionality of the platform. By creating a set of intelligent contracts that execute business processes, Homelend allows people to borrow money from their peers in a reliable, transparent and secure way. The key idea is that borrowers and lenders are not linked through a financial intermediary (i.e. a bank or a centralised P2P lending platform), but rather through intelligent contracts that automatically execute a predefined business logic.