> For the complete documentation index, see [llms.txt](https://docs.onre.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.onre.finance/onyc-in-defi/defi-opportunities/lending-and-borrowing.md).

# Lending and Borrowing

Lending and borrowing allow ONyc holders to increase capital efficiency without selling their underlying position. By supplying ONyc or supported stable assets to onchain lending markets, users can earn lending yield while borrowers access liquidity for trading, leverage, or additional yield strategies.

As ONyc collateral demand increases, lending rates adjust dynamically based on market conditions, strengthening ONyc’s utility and integration across DeFi.

### Supported Markets

Supported lending and borrowing activities across eligible Solana protocols qualify for enhanced OnRe Points multipliers in addition to standard lending interest.

{% stepper %}
{% step %}

#### Kamino

[ONyc Reserve](https://kamino.com/markets/reserve/47tfyEG9SsdEnUm9cw5kY9BXngQGqu3LBoop9j5uTAv8/6ZxkBSJEqsXA3Kdm2PDAzHLUdPTPUK93Lf4bAezec1UQ)

[USDC Reserve](https://kamino.com/borrow/reserve/47tfyEG9SsdEnUm9cw5kY9BXngQGqu3LBoop9j5uTAv8/AYL4LMc4ZCVyq3Z7XPJGWDM4H9PiWjqXAAuuHBEGVR2Z)

[USDG Reserve](https://kamino.com/borrow/reserve/47tfyEG9SsdEnUm9cw5kY9BXngQGqu3LBoop9j5uTAv8/JBmLCoKqjdKSStK45onRqe6U6sxVgSpdXoeXe4h7NwJw)

[USDS Reserve](https://kamino.com/borrow/reserve/47tfyEG9SsdEnUm9cw5kY9BXngQGqu3LBoop9j5uTAv8/3yDc9ARvtPLhYxZLgucZGuBtZ9bHshBvXTwHxGe3nhmC)
{% endstep %}

{% step %}

#### Loopscale

[USDC Vault](https://app.loopscale.com/vault/7PeYxZpM2dpc4RRDQovexMJ6tkSVLWtRN4mbNywsU3e6)

[USDT ONE Vault](https://app.loopscale.com/vault/usdt_one)

[USX RWA Vault](https://app.loopscale.com/vault/usx_rwa)
{% endstep %}
{% endstepper %}


---

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