PIP-26: Enable JPEG LTV Boost

Abstract Enable user to lock JPEG tokens to increase LTV for supported NFT collections by 15%

Background Users can borrow up to 35% of the NFT value on the JPEG'd protocol. With a staked JPEG Card with cigarette attribute they can borrow up to 45% of the NFT value. By enabling users to lock JPEG tokens they can receive an additional 15% LTV increase for a total of 60% LTV of the value of the NFT. We believe this gives more demand to JPEG tokens and allows borrowers to access higher lines of credit.

Specifications Users would select the lock period they desire (1 week, 1 month, 1 year, etc. ) To increase LTV by 15% the user would lock 20% of the incremental value in JPEG for the lock period. If they do not re-lock the JPEG or start a new lock the 15% boost would no longer be valid and their LTV max would revert back to either 35% or 45% (depending if they have a JPEG Card with cigarette attribute staked).

Example: 100 ETH floor collection 35 ETH = max borrow with no JPEG Card 45 ETH = max borrow wit