Certo is a P2P lending protocol designed to work with tokenized real-world assets in the form of U.S. Treasuries. Any user can bring USDT or USDC (will be added soon) to the protocol — and receive stUSD as a receipt in return. On the other end, the protocol will lend this liquidity, secured by a collateral in form of tokenized U.S. Treasury bills, and pay interest to the stUSD holders via rebasing.