# Lending & Borrowing {% embed url="" %} The money-market platform is the core infrastructure of the Sendit protocol, enabling users to lend and borrow tokens in isolated markets. The design ensures robust functionality for both lenders and borrowers, while mitigating the risks typically associated with money markets.
* **Permissionless borrowing against your favourite tokens**\ Any SPL token can be used as collateral to borrow against. If there is no market for your SPL token yet, just easily create one. * **Deeper liquidity for any SPL token**\ Secondary liquidity for your SPL tokens besides the main AMM LP pools. Use loans as part of trade execution. * **Long-only borrowing**\ Only SPL tokens can be used as collateral in order to borrow SOL. SOL cannot be used to borrow SPL tokens. No bears, no shorts and sell pressure. * **Highest-in-class yield for lenders**\ Sendit features three unique yield incentive mechanisms to generate unmatched SOL supply yields for lenders.
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