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

# Lending Market

{% embed url="<https://youtu.be/TRAnqK2mQ1k>" %}

## Lending Market Overview

The Lending Market allows users to borrow and lend rAgent tokens, providing liquidity for Swarm Staking and other ecosystem activities. Participants can either borrow rAgent tokens to participate in Swarms or lend their tokens to earn rewards from borrowers.

## Benefits of the Lending Market

1. **Borrowers**:
   * Participate in Swarms by accessing rAgent tokens without needing full ownership.
   * Earn $RIZ rewards while borrowing.

2. **Lenders**:

   * Generate passive income by lending unused rAgent tokens.
   * Contribute to the liquidity of the ecosystem and support its growth.

3. **Economics**
   * 80% of borrow fees go to lenders
   * This market has a 20% fee that will go towards $RIZ burn, introducing a new token sink for $RIZ

{% hint style="info" %}
Its important to note that rewards for lending are not calculated as  REWARD/TIME. The fees are not calculated in a linear way.&#x20;
{% endhint %}

The Lending Market provides a seamless way to manage borrowing and lending activities within the Rivalz ecosystem, ensuring all participants benefit from their involvement.

## Borrowing rAgent Tokens

The Borrow section enables users to borrow rAgent tokens to utilize them in Swarm Staking.

**Features:**

1. **Available rAgents**:
   * A table lists the rAgent tokens available for borrowing, their monthly price (e.g., in USDC), and the maximum amount available.
   * Borrow prices are dynamic, and may fluctuate. Third-party providers can also supply rAgent tokens.
2. **Borrowing Interface**:
   * Users can select an rAgent, specify the borrowing duration in months, and enter the amount they wish to borrow.
   * A slider allows users to adjust the borrowing period (e.g., up to 3 months).
   * The interface calculates the total cost of the borrowing transaction in USDC, factoring in the selected duration and amount.
3. **Rewards for Borrowing**:
   * Borrowing rAgents provides $RIZ rewards, incentivizing participation in the ecosystem.
4. **Tracking Borrowed rAgents**:
   * Borrowed tokens are displayed in the "Borrowed rAgents" section, showing details such as maturity (days), holding status, and staked amounts.

## Lending rAgent Tokens

The Lending section allows users to lend their rAgent tokens and earn rewards when borrowers utilize them.

### **Features:**

1. **Available rAgents to Lend**:
   * Users can lend rAgent tokens such as $RC, $RD, and $RE.
   * A dropdown allows users to select the token they wish to lend.
2. **Lending Interface**:
   * Users can specify the amount to lend and stake their tokens to make them available for borrowers.
   * An Unstake option is available for withdrawing tokens from the lending pool.
3. **Rewards for Lending**:
   * Users earn rewards in USDC for lending their tokens.
   * Weekly rewards are displayed in the rewards table, along with details such as:
     * **Total Stake**: The total amount lent by the user.
     * **My Stake**: The individual stake of the user.
     * **Weekly Rewards**: Earnings from borrowers.
     * **My Rewards**: The total rewards earned, which can be claimed using the "Claim" button.

{% hint style="info" %}
For more information on how to use the Lending Market, please refer to the [Borrow Guide](https://docs.rivalz.ai/rome-swarm-protocol/user-guide-rome-dashboard/borrow-market) & the [Lending Guide](https://docs.rivalz.ai/rome-swarm-protocol/user-guide-rome-dashboard/lending-guide)
{% endhint %}


---

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