> ## Documentation Index
> Fetch the complete documentation index at: https://yieldxyz.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Lending

> Money market protocols for earning yield on deposits

Lending protocols allow you to supply assets to money markets and earn interest from borrowers. Yield.xyz integrates with major lending protocols across multiple networks.

***

## Supported protocols

<CardGroup cols={2}>
  <Card title="Aave" icon="a" href="/documentation/coverage/supported-yields/defi/lending/aave">
    Multi-chain lending across 10+ networks
  </Card>

  <Card title="Compound" icon="c" href="/documentation/coverage/supported-yields/defi/lending/compound">
    USDC-focused lending on Ethereum and L2s
  </Card>

  <Card title="Fluid" icon="droplet" href="/documentation/coverage/supported-yields/defi/lending/fluid">
    Next-gen liquidity layer
  </Card>

  <Card title="Venus" icon="v" href="/documentation/coverage/supported-yields/defi/lending/venus">
    BNB Chain lending protocol
  </Card>

  <Card title="Gearbox" icon="gear" href="/documentation/coverage/supported-yields/defi/lending/gearbox">
    Leveraged lending strategies
  </Card>

  <Card title="Spark" icon="bolt" href="/documentation/coverage/supported-yields/defi/lending/spark">
    Maker-affiliated lending
  </Card>
</CardGroup>

***

## How lending works

1. **Supply** — Deposit assets into a lending pool
2. **Earn** — Interest accrues automatically via receipt token appreciation
3. **Withdraw** — Redeem receipt tokens for underlying assets (instant, subject to liquidity)

<Note>
  Receipt tokens (aTokens, cTokens, etc.) represent your deposited position. Their value increases as interest accrues.
</Note>

***

## Quick reference

| Protocol    | Networks                        | Mechanism       | Receipt Token |
| ----------- | ------------------------------- | --------------- | ------------- |
| Aave v3     | ETH, Base, Arbitrum, Polygon, + | Variable rate   | aTokens       |
| Compound v3 | ETH, Base, Arbitrum             | Variable rate   | cTokens       |
| Venus       | BNB Chain                       | Variable rate   | vTokens       |
| Fluid       | ETH                             | Liquidity layer | fTokens       |
| Gearbox     | ETH                             | Leveraged       | dTokens       |

***

## Example flow

<CodeGroup>
  ```bash Get yield metadata theme={null}
  curl --request GET \
    --url https://api.yield.xyz/v1/yields/base-usdc-aave-v3-lending \
    --header 'accept: application/json' \
    --header 'x-api-key: <API_KEY>'
  ```

  ```bash Enter lending theme={null}
  curl --request POST \
    --url https://api.yield.xyz/v1/actions/enter \
    --header 'accept: application/json' \
    --header 'content-type: application/json' \
    --header 'x-api-key: <API_KEY>' \
    --data '{
      "yieldId": "base-usdc-aave-v3-lending",
      "address": "0xYOUR_ADDRESS",
      "arguments": { "amount": "1000000000" }
    }'
  ```
</CodeGroup>

***

## See also

<CardGroup cols={2}>
  <Card title="Vaults" icon="vault" href="/documentation/coverage/supported-yields/defi/vaults">
    Automated vault strategies
  </Card>

  <Card title="DeFi Overview" icon="building-columns" href="/documentation/coverage/supported-yields/defi">
    All DeFi categories
  </Card>
</CardGroup>