The Express Loan Contract (ELC) is a rapid lending tool based on blockchain technology, offering decentralized digital asset collateral lending contract services. Developed by LC CHAIN INTL in Singapore, it aims to build a peer-to-peer, highly trusted, and fully transparent financial lending infrastructure through a novel Staking economic model, unique incentive schemes, and a global credit reporting system. This tool represents an innovative revolution against traditional finance and provides a fundamental solution to address the pain points of the conventional lending industry.