# Liquidity Vaults (Markets)

<mark style="color:purple;">**Liquidity Vaults**</mark>, aka markets, are Cluster's main feature, allowing users to seamessly lend, borrow and most importantly leverage their positions.

<figure><img src="https://content.gitbook.com/content/1UPlTbNnZRdDm55mZfNd/blobs/8HFt3bADmuYHErnf22fn/Cluster%20architecture.png" alt=""><figcaption><p>Liquidity Vaults - Under the hood.</p></figcaption></figure>

## Lend.

Users are able to deposit their assets into vaults and immidiately start earning intrest from borrowers and $CLR rewards.

Deposited assets can also be set to act collateral in order to allow individuals to borrow against them.&#x20;

## Cross-Chain Loans.

Based on individual preferences and financial goals, users can utilize their assets as collateral to secure loans, which can be in the form of other LSDs, stablecoins or the same asset initially provided.

With <mark style="color:purple;">**Cluster's**</mark> unique architecture, users will also be able to **deposit their collateral on one chain and borrow against it on another**.

This will allow users to explore totally new ecosystems while maintaining their positions and accessing additional liquidity without the hassle of unstaking, bridging, and restaking.

<figure><img src="https://content.gitbook.com/content/1UPlTbNnZRdDm55mZfNd/blobs/Q4qUUIRViVb40kT1BxEv/Borrow-leverage.png" alt=""><figcaption><p>Deposit collateral and borrow.</p></figcaption></figure>


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