Tulia introduces several innovative ideas and technologies to the Avalanche Teleporter ecosystem, transforming the DeFi and peer-to-peer lending landscape. Tulia's Open Market Protocol (OMP) allows users to create and manage lending pools with customizable interest rates and terms, providing flexibility to meet various financial goals and risk tolerances. In addition to the OMP, Tulia offers a traditional lending system, catering to users who prefer conventional methods, thus fostering inclusivity within the platform. The dual system integrates both conventional lending and the OMP, providing users with a comprehensive suite of options. The "My Pools" dashboard provides users with comprehensive control and oversight of their lending activities, enabling detailed tracking and efficient management of financial engagements. The OMP's customizable interest rates allow lenders to adjust rates based on market conditions and personal preferences, optimizing earnings while remaining competitive. Tulia integrates flash loans, enabling short-term, uncollateralized borrowing for advanced financial strategies such as arbitrage and collateral swaps. Whale/Unified Pools are designed for high-liquidity users, offering advanced dashboards and controls, allowing them to manage significant capital efficiently. These are just a few of our innovative ideas.