# Lending Pools

Moar Market supports multiple isolated **lending pools**, each configured independently with its own assets, interest rate model, risk parameters, and strategy support. Pools act as sources of liquidity from which Credit Accounts can borrow.

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### 🧱 Pool Structure

Each pool is a standalone component that manages:

* **Liquidity reserves** — assets supplied by lenders
* **Interest accrual** — tracks borrower interest over time
* **LTV definitions** — per-asset loan-to-value ratios
* **Fee configuration** — protocol fee on interest earned (`fee_on_interest`)

Pools are **risk-isolated** — volatility in one pool does not affect others.

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### 📥 For Lenders

Lenders can deposit supported assets into a pool and earn interest over time.

Key mechanics:

* Interest is earned from borrower repayments
* Earnings are auto-compounded into the pool’s reserves
* Supply APR is derived from real-time borrow activity and utilization
* A protocol fee (`fee_on_interest`) may be applied to interest earned

Lenders can withdraw at any time, subject to pool liquidity.

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### 💸 For Borrowers

Credit Accounts can borrow assets from any active pool as long as the account remains healthy under pool-specific LTV constraints.

Borrowing behavior is governed by:

* The amount of liquidity available
* The asset’s LTV in that pool
* The interest rate model and utilization

Each borrow action updates the account’s debt and triggers a health check to ensure solvency.

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### 🧮 Per-Asset LTVs

Each pool defines custom LTVs per supported asset, allowing the protocol to assign risk-weighted borrowing power.

For example:

* USDC in Pool A may have LTV = 80%
* The same USDC in Pool B could have LTV = 70% (e.g. due to attached strategies or market risk)

This lets pools fine-tune borrowing power per asset based on their own risk profile.

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### 🔧 Configuration Flexibility

Pools are highly configurable and can be updated by governance to:

* Add or remove supported assets
* Adjust LTVs
* Tune interest rate parameters
* Enable or disable strategy usage

This flexibility allows Moar to evolve with market conditions while maintaining strict pool-level isolation and control.