Decentralized Lending Network seeks to end debt cycle While his plans are still in their early stages, Dr. Adel ElMessiry wants to end a system that traps millions of people in the debt cycle. He is the founder of the Decentralized Lending Network, a platform with the goal of creating an open financial network enabling interest-free micro loans backed by a borrower’s social reputation. He is currently developing the concept and invites feedback at dln.org. Dr. ElMessiry was born in Egypt and lived across Europe as a child. He has lived in developing economies. People trying to get ahead in such environments, and those with lower incomes in advanced economies, struggle to advance but often cannot.