# Conclusion This paper introduced the design and implementation of a credit and liquidity risk model to offer decentralized banking services for the NFT market. We showed that by segregating the underwriting risk from the existing DeFi infrastructure, Zumer is able to manage the credit default risk of illiquid digital assets (NFTs) with a decentralized and permissionless mechanism. The Zumer Protocol enables all stakeholders to determine all the essential parameters involved in NFT-back borrowings. We believe Zumer will become the backbone that supports all Metaverse projects (NFT projects) and allow frictionless movement of liquidity, data, and ideas eventually between chains and communities. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://zumer-protocol.gitbook.io/docs/zumer-protocol/conclusion.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.