Barq is a decentralized platform for peer-to-peer transfers, lending, borrowing, risk assessment, and dispute resolution. It enables parties to establish a “tunnel” between their wallets to establish trust before transacting. This tunnel can involve depositing funds as a performance guarantee, or maintaining a history of transactions to establish reputation. Barq will use “Proof of Incentives” in which participants who heavily influence the network’s value must stake tokens in order to earn revenue from their activities. Through this model, Barq aims to become a rail for financial services, including risk assessment and semi-collateralized lending based on reputation and cash flow.