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description: it's better to lend wen you want to hold for long
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# Lending Protocol

SiFi acknowledges that users might sometimes need to purchase digital assets but encounter the problems of limited funds. Resultantly, SiFi enables a Lending Protocol that enables users to borrow and (as the case may be) lend in SiFi Finance App. This goes on to say that users can buy digital assets from multiple tools.&#x20;

The Lending Protocol allows users to borrow and thereafter invest in varieties of digital assets. Users can use these loans to stake and carry out yield-farming within the protocol.&#x20;

Users can also lend other users their digital assets thereby promoting lending and borrowing within the SiFi Finance space. The loan borrowed allows lenders to earn their interests.&#x20;

The cost-effective interest rates allow lenders to earn sizable, long-term returns while the borrower can get a predictable loan.&#x20;

SiFi recognizes that users might be faced with the need to buy digital assets with limited funds and as a result, enables a Lending Protocol that allows users to purchase digital assets such as NFTs and other coins with borrowed capital.&#x20;

Users can also buy lands in the metaverse through SiFi’s Lending Protocol even when they have insufficient liquidity, just by lending their crypto assets. After buying lands and digital assets, users can go ahead and invest and lock these digital assets in the protocol.
