Peardao (PEX) aims to complement the CEX and DEX-driven cryptocurrency ecosystem by enabling the exchange of value between on-chain, off-chain and cross-chain ecosystems, much like what we are seeing in centralized ecommerce marketplace like eBay and amazon. Transactions on the Pear marketplace are executed through smart contract(s), facilitated by encrypted chat tools. Credit history is public and transparent to all and arbitration is done through a decentralized dispute management system.