Aave protocol allows users to borrow and lend from over 30 Ethereum-based assets.  Aave Protocol users can switch between stable and variable rates, depending on their preference and the state of the market, and take out flash loans.  Aave also provides pools for real-world assets, like real estate, cargo and freight invoices, and payment advances with the use of its partner company, Centrifuge. Their governance token AAVE lets users vote on Aave Improvement Proposals (AIPs).