> For the complete documentation index, see [llms.txt](https://docs.xapp.folks.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.xapp.folks.finance/xlending.md). # xLending The initial product of the protocol is xLending, which enhances capital efficiency and user experience for crosschain lending markets through a [hub-and-spoke model](/xlending/architecture.md). This allows for seamless interactions across multiple blockchain networks. ### **Benefits of Hub and Spoke Model** * **Capital Efficiency:** All liquidity is available irrespective of which chain the user is on, maximizing capital efficiency. * **User Convenience:** Users can interact with the protocol from their favorite wallet and familiar chains, lowering the barriers to entry. * **Cross-Chain Collateralization:** Users can use funds deposited on one chain as collateral to borrow on another, enhancing the flexibility and usability of the protocol. ### Cross-chain Messaging Cross-chain messaging is a critical component of Folks Finance, enabling secure and efficient communication between the hub and spoke chains. This ensures that transactions are consistent and reliable across different blockchain networks. 1. [**Wormhole**](https://wormhole.com/) 2. [**Chainlink CCIP (Cross-Chain Interoperability Protocol)**](https://chain.link/cross-chain) 3. [**Circle CCTP (Cross-Chain Transfer Protocol)**](https://www.circle.com/en/cross-chain-transfer-protocol) ### Values * Accessible & Inclusive * Innovative & Composable * Transparent & Decentralized * Community Driven ### Tools * Lending and Borrowing * Deposits * Swaps * Liquid staking (coming soon) --- # 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 by asking a question. Perform an HTTP GET request on the following URL with the `ask` and `goal` query parameters: ``` GET https://docs.xapp.folks.finance/xlending.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is what the user is ultimately trying to achieve, the reason they need the answer. Sharing it helps GitBook give you a better, more relevant answer. A goal is most helpful when it describes the outcome the user wants rather than restating the question. For example, with `ask=how do I create an API token`, a goal like `automate deployments from our CI pipeline` lets GitBook tailor the answer to that use case. 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.