Demeter made significant innovation to optimize the interest rate model, as well as the collateral ratio in the DeFi lending agreement. In particular, Demeter established a new credit rating model (DCRM) to incorporate and grade all existing crypto assets for credit. Based on this model, Demeter introduces a wider variety of crypto asset types such as LP assets, collateralized assets, NFT-fi assets, etc. It enables a high degree of compatibility of lending models between assets while ensuring security and provides maximum convenience for users by controlling interest rates and volume through smart contract.