The problem FinTrack solves

The potential problems with collateral borrowing include overvaluing or inadequate collateral, outdated valuations, declining collateral values, unfamiliarity with the collateral, and legal issues with the collateral.In the world of decentralized autonomous organizations (DAOs) and organizations, there is a need for a payment streams tool that can streamline salaries in ERC20 tokens over a period of time. This tool will allow recipients to borrow under-collateral loans against upcoming salary.
The ERC20 Token streaming is based on the EIP1620, which ensures that the tokens are not transferred to the wallet in real-time. Instead, they are locked in the contract and the withdrawal amount is calculated based on the rate and time locked.

Challenges we ran into

While the payment streams tooling offers many benefits, there are also some challenges and limitations to consider. One challenge is the need for recipients to have a basic understanding of cryptocurrency and blockchain technology. Without this knowledge, they may find it difficult to use the payment streams tooling.
Another limitation is the potential volatility of ERC20 tokens. While the EIP1620 standard ensures that the tokens are locked in the contract, the value of the tokens may fluctuate during the period of time they are locked. This could impact the amount that recipients are able to withdraw from their salary.