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The users

Liquidity providers (LPs): Liquidity providers add BTC to a liquidity pool from which loans are funded that earn yield in BTC for the liquidity providers to the pool.
Pool delegates: are credit experts who launch and manage liquidity pools on behalf of Zest Protocol. Pool delegates perform diligence and agree terms with borrowers.
Institutional borrowers: institutions looking for BTC capital to grow their business. Likely candidates are market makers, exchanges, centralised lenders, miners and businesses that accept BTC payments. Borrowers must be onboarded by Zest Protocol and pass a delegate's diligence process.