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Short answers with links to the full guides.

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Getting started

A lending protocol on Stellar where you can supply assets to earn interest and borrow against collateral. All assets share one pool, and your position lives in a single lending account. Start with the overview or getting started.
Connect your wallet on XOXNO lending, choose an asset such as USDC, and confirm the supply transaction. Interest accrues automatically on your balance. There is no separate receipt token. See interest and revenue.
After supplying collateral, open Borrow on XOXNO lending, enter an amount within your limit, and confirm in your wallet. The protocol checks your borrowing limit, health factor, and spoke settings before releasing tokens. See supply and borrow and accounts and risk.
Any asset the protocol has listed on the shared pool, usually Stellar-native tokens such as XLM and USDC. Each asset needs price feeds and risk settings before it goes live. See markets.

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Safety and risk

The protocol is pre-audit. Treat mainnet as early-stage: watch your health factor, respect launch caps, and only deposit what you can afford to lose. Read governance for how changes are managed. Technical trust boundaries are in the security model under Developers in the sidebar.
When your health factor drops below 1, a liquidator can repay part of your debt and take collateral at a bonus. Stay above 1 by repaying debt, adding collateral, or borrowing less. See health factor and liquidations.
No. Your supply and borrow balances are tracked on your lending account, not as separate tokens you can transfer. See accounts and risk.
No. All assets share one pool and one cross-asset account model. Per-asset borrowing limits, caps, and spoke configuration handle risk instead of separate pools. Compare with XOXNO vs Blend.
A category for correlated assets that can unlock higher borrowing limits when you opt in. Each category lists which assets you may use as collateral and which you may borrow. See accounts and risk.
It compares your collateral value (weighted for liquidation) to your total debt. Above 1 is safe. Below 1 is liquidatable. It is separate from the borrowing limit you see when opening new debt. See health factor.

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Using the protocol

A single-asset loan that must be repaid in the same transaction, with a small fee. They are used by advanced strategies and integrations, not typical lenders and borrowers on the lending app. See strategies and the developer flash loans guide.
Protocol changes are proposed, delayed by roughly 48 hours on mainnet, then executed. Emergency pause can happen immediately. See governance.
Reflector and RedStone. The protocol checks prices are fresh and consistent before risky actions. See oracles.

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Migration and integrations

Use the one-step migration flow: repay Blend debt, withdraw collateral, and open an equivalent XOXNO position in a single transaction. See Blend migration and XOXNO vs Blend.
XOXNO uses one shared pool and internal account balances. Blend uses isolated pools with receipt tokens per deployment. XOXNO also offers a built-in migration path from Blend. See XOXNO vs Blend.
Contract calls, ABIs, events, and CLI examples are in the developer quickstart under Developers in the sidebar.

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Next

Glossary

Health factor, spokes, timelock, and related terms.

Getting started

Supply collateral and borrow on XOXNO lending.

Overview

What the protocol does and how it is structured.

Health factor

How to read your number and stay safe.