The problem Defi Gullak solves

What is Gullak
Gullak is designed to let anyone create "hodling competition" on any ERC20 tokens. Users can always choose to quit early with a penalty charged. If a participant successfully hodls the token until expiry, they can withdraw the full amount they deposited without any fee, and with some extra tokens collected from quitters, or other "bonus token" that can be donated to the pool.

OTHER INNOVATIONS
You can always wrap your hToken into some tradable ERC20 tokens by using another wrapping contract, and add more interesting logic to build fun projects, e.g., make it transferable only until a certain date.