# Lend and Borrow **XOXNO Lending and Borrowing** is a decentralized system of smart contracts that enables the transfer of digital assets on MultiversX (formerly Elrond) . As a liquidity protocol based on a supply-and-borrow model, XOXNO lets users supply their assets to liquidity pools. In return, others can borrow from these pools by providing their own collateral. The protocol's non-custodial design ensures **users retain full control over their assets at all times**. This means users interact with the protocol through self-custodial wallets, where they can supply or borrow funds directly without relying on intermediaries. All transactions are managed by open, automated smart contracts, which operate transparently and securely. These contracts enforce rules like collateral requirements and adjust based on market conditions, creating a trustless and seamless experience for users. ## Core Features * [Supply](/xoxno-ecosystem/lend-and-borrow/supply.md) - Earn interest on your assets * [Borrow](/xoxno-ecosystem/lend-and-borrow/borrow.md) - Access liquidity against collateral * [Repay](/xoxno-ecosystem/lend-and-borrow/repay.md) - Pay back loans * [Withdraw](/xoxno-ecosystem/lend-and-borrow/withdraw.md) - Remove supplied assets * [Liquidation](/xoxno-ecosystem/lend-and-borrow/liquidation.md) - Understand liquidation mechanics * [E-Mode](/xoxno-ecosystem/lend-and-borrow/e-mode.md) - Efficient mode for correlated assets * [Flash Loans](/xoxno-ecosystem/lend-and-borrow/flash-loans.md) - Uncollateralized instant loans ## Advanced Features * [Vault](/xoxno-ecosystem/lend-and-borrow/vault.md) - Isolated lending markets * [Isolated Markets](/xoxno-ecosystem/lend-and-borrow/isolated-pools.md) - Risk-segregated pools * [Siloed Markets](/xoxno-ecosystem/lend-and-borrow/siloed-markets.md) - Single-collateral markets ## Related Topics * [Leverage Trading](/leverage.md) - Amplify your positions * [Multiply Strategies](/multiply.md) - Optimize yields with smart combinations * [Getting Started](/readme.md) - New to XOXNO? * [Troubleshooting](/troubleshooting.md) - Common issues and solutions --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.xoxno.com/xoxno-ecosystem/lend-and-borrow.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.