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Maze is a non-custodial and over-collateralized banking protocol that offers zero-interest loans. An algorithm, Stratified Harvest Regulating, replaces the classic interest model of money markets and creates a highly dynamic yield-rate consensus mechanism. Throughout the implementation, an irreconcilable problem was discovered on the current Layer-1 blockchains.
A decentralized income distribution computing service has been developed to counter the issue. This solution comes in the form of an innovative and transparent computation middleware protocol, Farmbase. The protocol turns cross-chain mining pool merging into reality, allowing Maze to build branches with synchronized yield rates on any blockchain.
A particular instance of Farmbase — Farmbase Hawala Thread — collaborates with Maze to construct a drawing right transfer protocol of cross-chain assets letting users save or retrieve funds on different networks. Last but not least, the combination of Maze's lending protocol and its Stratified Harvest Regulating algorithm has brought the dawn of ZUSD, a new stablecoin with blended strengths.
The whitepaper will introduce Maze abstractly and linearly — the principles, implementation of critical components, the relations of sub-systems, and the potential influence of a super sovereign banking protocol crossing all blockchains

