# Lending Lending is one of the core functionalities of the **Sendit** money market. It allows users to deposit their tokens into isolated markets to provide liquidity to the protocol. In return, lenders earn a dynamic annual percentage rate (APR) based on the borrowing activity, the utilization of the liquidity pool and rewards added to the market. As any other smart contract protocol, there are certain risks involved by being a lender. As a lender, make sure you understand the [risks](/security/risks.md). *** ### **How Lending Works** 1. **Deposit Tokens**:\ Lenders deposit SOL into a specific money market. Each token has its own isolated market, ensuring that risks (e.g. a collateral’s value rapidly depreciating) are contained within that market. There can be multiple markets per asset differentiated by the underlying oracle. 2. **Earn Yield**:\ The **Total Supply APR** is composed of three different yield sources: ``` Total Supply APR = Variable Lending APR + Loan Origination Fee/APR + Token Incentives APR ``` 3. **Withdraw at any time**:\ Lenders can withdraw their deposits and accrued interest at any time, provided there is sufficient liquidity in the pool. *** {% hint style="info" %} There are certain risks involved with providing SOL to a pool. By using this market, the users confirms that they have personally verified the oracle data and understand that they are acting entirely at your own risk. 

The platform assumes no responsibility for the accuracy of oracle information or any outcomes resulting from its use. Using a market with a malicious oracle may results in a total loss of deposited funds. {% endhint %} --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.sendit.fun/protocol/editor/lending.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.