# 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. *** ### 🧱 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. *** ### 📥 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. *** ### 💸 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. *** ### 🧮 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. *** ### 🔧 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. --- # 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.moar.market/protocol-overview/lending-pools.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.