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

# 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)*.)*