> ## Documentation Index
> Fetch the complete documentation index at: https://docs.berachain.com/llms.txt
> Use this file to discover all available pages before exploring further.

# What Is Bend?

> Morpho-based lending and borrowing with native Proof-of-Liquidity on Berachain; vaults, markets, and key features.

**Bend** is a decentralized lending protocol forked from Morpho. It enables efficient lending and borrowing with native Proof-of-Liquidity (PoL) on Berachain. As a lending primitive, Bend allows permissionless creation of immutable, efficient lending markets.

Bend inherits the core architecture from **Morpho v1** vaults and markets—familiar, battle-tested infrastructure—and adds Berachain's Proof-of-Liquidity consensus.

<Frame>
  <img src="https://mintcdn.com/berachain-422fce37/spFyXF2YSQlNtmpH/images/bend/overview.png?fit=max&auto=format&n=spFyXF2YSQlNtmpH&q=85&s=0b753aa0dc60de0c03c036739166cf82" alt="Bend protocol overview" width="3520" height="2384" data-path="images/bend/overview.png" />
</Frame>

Use Bend at [bend.berachain.com](https://bend.berachain.com).

## How it works

Bend acts as a lending primitive layer. Smart contracts create immutable, efficient lending markets. The protocol supports:

* **Lending**: Deposit assets to earn interest and `$BGT`
* **Borrowing**: Borrow assets by providing collateral
* **Market creation**: Permissionless creation of new lending markets
* **Interest rates**: Market-driven rates based on supply and demand

## Key features

* **Collateralization**: Provide collateral to borrow assets
* **Risk protection**: Liquidation and loan-to-value ratios protect the protocol
* **Interest accrual**: Dynamic rates based on market conditions
* **Open participation**: Anyone can lend or borrow
* **Non-custodial**: You keep ownership of your assets
* **Vault system**: Morpho v1 vault architecture
* **Native PoL**: Berachain Proof-of-Liquidity rewards lending to borrowers

## Use cases

* **Lending**: Earn interest on deposited assets
* **Borrowing**: Access liquidity while keeping asset exposure
* **DeFi integration**: Build lending into other applications
* **Looping**: Leveraged exposure on yields via looping strategies

## Getting started

Go to [Bend](https://bend.berachain.com), connect your wallet, then choose an action:

* **Lend**: [Deposit & Withdraw](/bend/guides/deposit-withdraw) — supply `$HONEY` to a vault and optionally stake for `$BGT`.
* **Borrow**: [Borrow & Repay](/bend/guides/borrow-repay) — supply collateral and borrow `$HONEY`; monitor LTV to avoid liquidation.

If you use Morpho, Bend will feel familiar and adds Berachain Proof-of-Liquidity and ecosystem benefits. See the **Guides** section and start with [Borrow & Repay](/bend/guides/borrow-repay).