> For the complete documentation index, see [llms.txt](https://docs.accumulated.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.accumulated.finance/accumulated-finance-1/lst-lending.md).

# LST Lending

{% hint style="info" %}
LST Lending: <https://accumulated.finance/lend>
{% endhint %}

### Overview

LST Lending in Accumulated Finance enables users to supply Liquid Staking Tokens (LSTs) as collateral or borrow base assets (e.g., stablecoins or other supported tokens) within the protocol’s isolated LST-base asset lending markets. These markets are designed to maximize capital efficiency, allowing users to earn interest, borrow for further investments, or manage leveraged positions. The user interface provides real-time simulations of lending rates, borrowing rates, position health, and utilization to support informed decision-making.

### Key Features

* **Isolated Markets**: Lending markets are restricted to specific LST-base asset pairs, ensuring focused risk management.
* **Supply and Earn**: Deposit LSTs to earn interest based on market demand.
* **Borrow Assets**: Use LSTs as collateral to borrow base assets for additional investments.
* **Real-Time UI**: View live updates on rates, position health, and utilization during transactions.

### How It Works

1. **Supply LSTs**: Deposit LSTs into an isolated LST-base asset lending market through the Accumulated Finance interface.
2. **Earn Interest**: Supplied LSTs accrue interest based on market supply and demand dynamics.
3. **Borrow Assets**: Use deposited LSTs as collateral to borrow base assets, subject to market-specific loan-to-value ratios.
4. **Monitor Positions**: The UI displays real-time lending/borrowing rates, position health, and utilization to manage your portfolio.
5. **Manage or Repay**: Adjust collateral, borrow more, or repay loans to optimize or close positions.

### Benefits

* **Passive Income**: Earn interest by supplying LSTs without active management.
* **Capital Efficiency**: Borrow base assets to fund new investments while retaining LST exposure.
* **Transparency**: Real-time UI simulations provide clear insights into rates and position risks.
* **Isolated Risk**: Market isolation limits exposure to specific LST-base asset pairs.

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