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

# Stellar Lending quickstart

> Supply your first collateral on XOXNO Stellar Lending: mental model, prerequisites, and a controller invoke example.

<Note>
  **Using the lending app?** See the [getting started guide](/stellar-lending/getting-started) under **Guide** in the sidebar, or open [XOXNO lending](https://xoxno.com/defi/lending) directly.
</Note>

Supply collateral through the controller in a few steps.

## Call the controller

`governance` owns admin and timelocks parameter changes. `controller` is the user entrypoint. One `LiquidityPool` holds all assets. Lending calls go to the controller, not the pool.

## Prerequisites

| Requirement        | Detail                                                                  |
| ------------------ | ----------------------------------------------------------------------- |
| Funded account     | A Stellar account with XLM for fees.                                    |
| Controller address | The single entrypoint. See [Addresses](/stellar-lending/dev/addresses). |

## Supply collateral

Supplying with `account_id = 0` creates a new account and returns its id.

**Stellar CLI (testnet example):**

```bash theme={"system"}
stellar contract invoke \
  --id <controller> \
  --source-account your-account \
  --network testnet \
  -- supply \
  --caller YOUR_ADDRESS \
  --account_id 0 \
  --spoke_id 1 \
  --assets '[["<asset-address>", "<amount>"]]'
```

The call returns the new account id.

## Check your position

```bash theme={"system"}
stellar contract invoke --id <controller> --network testnet \
  -- health_factor --account_id <id>
```

A value of `i128::MAX` (or well above `1e18`) means the account has no debt and is healthy for most actions.

## What just happened

You created a cross-asset account. The tokens live in the single central pool. The controller now tracks your supply as collateral that can back future borrows, subject to the market's risk parameters.

## Next

<CardGroup cols={2}>
  <Card title="Supply and borrow" icon="arrow-right-arrow-left" href="/stellar-lending/dev/supply-and-borrow">
    Complete recipes for supply, borrow, withdraw, and repay.
  </Card>

  <Card title="System architecture" icon="sitemap" href="/stellar-lending/dev/system-architecture">
    The governance–controller–pool model.
  </Card>

  <Card title="Governance" icon="landmark" href="/stellar-lending/dev/governance">
    Timelock admin path for operators.
  </Card>

  <Card title="Health factor" icon="heart-pulse" href="/stellar-lending/dev/health-factor">
    How the protocol decides if a position is healthy.
  </Card>

  <Card title="Accounts and risk" icon="user-shield" href="/stellar-lending/dev/accounts-and-risk">
    Spoke risk, position limits, and account behavior.
  </Card>
</CardGroup>