Timeswap is the first fully decentralized lending & borrowing protocol powered by a 3 variable AMM. Timeswap is a fixed maturity, non-liquidatable protocol that is Oracle-less, thereby preventing the biggest security risk plaguing money markets today: Oracle manipulation attacks. Because of its oracle-less nature, Timeswap is a secure protocol that can be leveraged by communities with lower liquidity to create lending / borrowing markets. Timeswap is the only scalable money market that can safely scale the markets for long tail assets as well as top tier assets. Because the AMM is generalized, it can be used to create money markets and options markets for top tier assets like ETH, BTC, MATIC. This enables volatility trading on chain for the first time on a fully decentralized protocol.