--- title: Lending description: Interest Free borrowing section: 3A Protocol order: 103 --- > **Archived.** The 3A lending protocol and EURO3 on Linea and Polygon were phased out in 2024: no new loans from > 1 October 2024, and all remaining vaults closed on 30 November 2024 > ([3A DAO's announcement](https://medium.com/@3aDAO/phasing-out-euro3-lending-f5869a3498a8)). This page is kept > for reference and describes the protocol as it was. Do not send funds to the contracts it lists. 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. > **Note:** **There is no recurring interest, no minimum debt, or deadline to repay the debt** as long as there is a sufficient amount of collateral.