# Welcome to XLend 🎉

<figure><img src="/files/EdXF2smNdfpYVGXlJzEM" alt=""><figcaption></figcaption></figure>

## What is XLend

Extrafi XLend is a **smart lending protocol** offering multi-accounts and advanced lending/borrowing strategies.

In a long-term vision, XLend aims to be the liquidity layer empowering composable DeFi strategies.

## Core Features

#### **Lending market based on a battle-tested codebase**

* Newly designed user interface
* A lending market built on a battle-tested codebase.
* Multi-account system
  * Sub-accounts: Enabling flexible portfolio management
  * Simplified on-chain experience powered by [smart accounts](https://www.coinbase.com/wallet/smart-wallet)
* Automation & Liquidation-free strategies [\[\*\]](#features-marked-with-are-currently-in-progress-and-scheduled-for-release-in-q1-2025.-check-the-detai)
* Gas-free transactions [\[\*\]](#features-marked-with-are-currently-in-progress-and-scheduled-for-release-in-q1-2025.-check-the-detai)

#### **New staking module offering sustainable yields** [\[\*\]](#features-marked-with-are-currently-in-progress-and-scheduled-for-release-in-q1-2025.-check-the-detai)

* Single-asset staking with USDC or ETH
* Supercharged APY from sustainable yield sources (protocol risk absorption, incentives, and revenue sharing)

#### **Comprehensive risk management**

* Built on a highly battle-tested codebase with subsequent enhancements and fixes.
* Ongoing security improvements:
  * Additional [audits](/extrafi-xlend/security/audits-and-security.md)
  * Work with industry-leading risk management experts
  * Work with proactive security monitoring platforms
* A robust shortfall-protection mechanism [\[\*\]](#features-marked-with-are-currently-in-progress-and-scheduled-for-release-in-q1-2025.-check-the-detai): liquidation + safety module + rainy-day-fund
* Backed by a team with over 3 years of DeFi risk management expertise

## Tutorials

<table data-view="cards"><thead><tr><th></th><th></th><th></th><th data-hidden data-card-target data-type="content-ref"></th><th data-hidden data-card-cover data-type="files"></th></tr></thead><tbody><tr><td></td><td>Borrowing/Lending</td><td></td><td><a href="/pages/hs3XFnMOMsKafjSXXm6C">/pages/hs3XFnMOMsKafjSXXm6C</a></td><td><a href="/files/5DQIhl5T2Dno06jHYrH3">/files/5DQIhl5T2Dno06jHYrH3</a></td></tr><tr><td></td><td>Smart Accounts</td><td></td><td><a href="/pages/MZm5QbmnmrvHgrugelv7">/pages/MZm5QbmnmrvHgrugelv7</a></td><td><a href="/files/RLcabYI7kbh5E8Ck7lvG">/files/RLcabYI7kbh5E8Ck7lvG</a></td></tr></tbody></table>

## Products

* [Liquidity Market](/extrafi-xlend/borrow-lend.md) (Live)
* Safety Staking Module [\[\*\]](#features-marked-with-are-currently-in-progress-and-scheduled-for-release-in-q1-2025.-check-the-detai)
* Automation & Strategies Module [\[\*\]](#features-marked-with-are-currently-in-progress-and-scheduled-for-release-in-q1-2025.-check-the-detai)

## Support

Discord: <https://discord.extrafi.io>

X(Twitter): <https://x.com/ExtraFi_io>

Email: <contact@extrafi.io>

#### *(Features marked with \* are currently in progress and scheduled for release in Q1 2025. Check the detailed roadmap* [*here*](/extrafi-xlend/roadmap.md)*.)*


---

# 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.extrafi.io/extrafi-xlend/welcome-to-xlend.md?ask=<question>
```

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.