Decentralised finance (DeFi) has been gaining increasing attention and traction as a game-changing innovation within the Web 3.0 ecosystem. However, as DeFi expands and more users adopt it, concerns about scalability and governance are becoming more pronounced. While some have called for completely new protocols to be developed, others are taking a different approach. Nereus, a lending and borrowing market, is based on the AAVE open-source code and seeks to improve upon existing DeFi protocol...