> For the complete documentation index, see [llms.txt](https://docs.mysticfinance.xyz/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.mysticfinance.xyz/core-concepts/lending.md). # Lending Lenders supply assets to a pool (e.g. DAI, USDC) by depositing them in the protocol. For this service, they gain an interest on the assets they supply (i.e. the supply rate). These assets are then made available for borrowers, who both pay an interest as payment and put up tokenized assets of their own as collateral to be able to borrow assets supplied by lenders. When users lend to the protocol, the earn receipt tokens. These tokens are yield-bearing, as they are a vehicle for Mystic to distribute interest to lenders. Suppliers share the interest paid by borrowers of their assets corresponding to the average borrow rate times the utilisation rate. --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## 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, and the optional `goal` query parameter: ``` GET https://docs.mysticfinance.xyz/core-concepts/lending.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. 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.