Mavryk Network tackles the centralization and high-cost barriers of traditional financial systems by providing a self-sovereign DeFi banking ecosystem on Tezos. It addresses the issue of fragmented DeFi services where lending, staking, and governance exist across incompatible platforms. Mavryk integrates them into a single interoperable network with on-chain credit scoring and identity layers. This model enables unbanked and underbanked users to access financial tools without intermediaries. It combats volatility and illiquidity through stable asset mechanisms and treasury-backed reserves. The protocol ensures transparent risk assessment, replacing opaque bank credit systems with verifiable on-chain data. Mavryk also bridges regulatory compliance with decentralization via built-in KYC compatibility. It supports DAOs and community governance to reduce power concentration. In essence, it solves the trust, accessibility, and efficiency gaps in both legacy finance and DeFi. @MavrykNetwork brings sustainable, user-governed finance to the mainstream.