# Lending & Borrowing Alita.Finance's lending and borrowing marketplace operates by means of the over-collateralization concept. All users will be able to lend and borrow popular BSC coins and tokens. Lenders earn yield from borrowers paying interests for collateralized loans. Collateral and loan settlements are handled by smart contracts, therefore, no intermediaries are required. Our goal is to create an effective money market where everyone can supply and borrow assets at their disposal, without having to undergo red tapes like in the traditional financial markets. --- # 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.alita.finance/our-products/lending-and-borrowing.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.