Lend
Users can deposit assets to Lend and earn a share of the Interest that borrowers generate. Once an asset is deposited to the lending market, users receive nTokens.
nTokens
nTokens are used to claim the lender’s tokens from the lending pool plus the interest accrued. The issuance of nTokens allow depositors to lend while retaining the ability to use the asset as Collateral.
![](../__attachments/12812353/deposit%20for%20ntoken.png?inst-v=733fdd25-cae3-4666-addb-1d6be3884730)
Lenders deposit into the lending pool and receive nTokens
![](../__attachments/12812353/return%20ntoken.png?inst-v=733fdd25-cae3-4666-addb-1d6be3884730)
Lenders return nTokens to the lending pool and receive the deposit plus accrued interest