> ## 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 protocol overview

> What XOXNO Stellar Lending is: supply, borrow, liquidations, strategies, and Blend migration on one shared pool.

XOXNO Stellar Lending is an overcollateralized lending protocol on Stellar. Deposit assets to earn interest, borrow against your collateral, liquidate unhealthy positions, run advanced strategies, or move a Blend position over in one transaction.

You use [XOXNO lending](https://xoxno.com/defi/lending) and your Stellar wallet. Integrators and builders should use the **Developers** section in the sidebar for contract calls, ABIs, and deployment guides.

## What you can do

<CardGroup cols={2}>
  <Card title="Getting started" icon="rocket" href="/stellar-lending/getting-started">
    Connect your wallet, supply collateral, and borrow your first loan.
  </Card>

  <Card title="Supply and borrow" icon="arrow-right-arrow-left" href="/stellar-lending/supply-and-borrow">
    Deposit assets, open debt, and stay within your borrowing limits.
  </Card>

  <Card title="Accounts and risk" icon="shield-check" href="/stellar-lending/accounts-and-risk">
    One lending account, spokes, and how the protocol checks your position.
  </Card>

  <Card title="Liquidations" icon="scale-balanced" href="/stellar-lending/liquidations">
    What happens when a position becomes unhealthy and how liquidators earn a bonus.
  </Card>

  <Card title="Strategies" icon="bolt" href="/stellar-lending/strategies">
    Multiply exposure, swap debt or collateral, and repay with collateral.
  </Card>

  <Card title="Blend migration" icon="arrow-right" href="/stellar-lending/blend-migration">
    Move from Blend to XOXNO in a single atomic transaction.
  </Card>
</CardGroup>

## How it works

All listed assets share **one liquidity pool**. Your wallet owns a **lending account** that tracks everything you supply and borrow. There are no receipt tokens: your balances grow with interest directly on that account.

Before every action, the protocol checks your whole position against borrowing limits and your health factor. Governance can update risk settings on a timelock. Emergency pause is available if needed.

## Read next

<CardGroup cols={2}>
  <Card title="FAQ" icon="circle-question" href="/stellar-lending/faq">
    Common questions about supply, borrow, risk, and migration.
  </Card>

  <Card title="Glossary" icon="book" href="/stellar-lending/glossary">
    Plain-language definitions for protocol terms.
  </Card>

  <Card title="Health factor" icon="heart-pulse" href="/stellar-lending/health-factor">
    The number that tells you whether your position is safe.
  </Card>

  <Card title="XOXNO vs Blend" icon="scale-balanced" href="/stellar-lending/xoxno-vs-blend">
    How the two Stellar lending protocols differ.
  </Card>

  <Card title="Interest and revenue" icon="chart-line" href="/stellar-lending/interest-and-revenue">
    How supply APY, borrow APY, and protocol fees work.
  </Card>

  <Card title="Governance" icon="landmark" href="/stellar-lending/governance">
    How protocol changes are proposed, delayed, and executed.
  </Card>
</CardGroup>

<Tip>
  **For integrators:** Contract entrypoints, events, and CLI examples are in the [developer quickstart](/stellar-lending/dev/quickstart) under **Developers** in the sidebar.
</Tip>