> For the complete documentation index, see [llms.txt](https://docs.3adao.org/3a-protocol/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.3adao.org/3a-protocol/protocol-documentation/lending.md).

# Lending

3A protocol offers **interest-free loans** that support a wide variety of collateral tokens whitelisted by a data-driven risk model. Collateral is any token that a borrower provides to take out a loan, acting as a security for the debt. 

Currently, 3A only supports crypto-assets, but later on will expand to the tokenized Real-World-Assets. 

Instead of selling their tokens to have liquid funds, users or protocols can use the 3A platform to lock up the tokens in a Vault and borrow against them to withdraw EURO3. 

{% hint style="info" %}
**There is no recurring interest, no minimum debt, or deadline to repay the debt** as long as there is a sufficient amount of collateral. 
{% endhint %}


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