# Credit Account

At the core of Moar Market lies the **Credit Account** — a composable, user-owned smart contract account that acts as a personal portfolio. Each Credit Account is capable of holding multiple assets, borrowing from multiple pools, and interacting with integrated strategies — all under strict solvency constraints.

### 🔑 Key Properties

* **User-owned**: Each Credit Account is uniquely tied to a user but exists independently as an on-chain resource account.
* **Multi-asset**: It can hold balances of any supported token simultaneously.
* **Multi-pool**: A single account can borrow from several lending pools concurrently.
* **Isolated**: Users can open multiple Credit Accounts, each with its own state, strategy, and risk profile.
* **Composability-first**: All protocol interactions — deposits, borrows, withdrawals, strategy entries — go through the Credit Account.

### ⚙️ How It Works

1. **Initialization**\
   A user creates a Credit Account via Moar’s Credit Manager module. This creates an on-chain resource account tied to their address.
2. **Asset Management**\
   Users can deposit any supported asset into their account. These assets can later be used for borrowing or deployed to strategies.
3. **Borrowing**\
   The Credit Account can borrow from any lending pool, provided the account remains solvent under the configured LTV rules.
4. **Strategy Interactions**\
   Assets within the account can be deployed to integrated DeFi strategies like Hyperion, Panora, and Thala, while preserving health guarantees.
5. **Lifecycle Control**\
   Users can repay loans, withdraw assets, or close their Credit Account entirely, assuming all debts are settled.

### 📏 Constraints

All outbound operations (borrow, withdraw, transfer, strategy exit) are gated by a **health check**, ensuring the Credit Account remains solvent at all times.