> For the complete documentation index, see [llms.txt](https://spine-protocol.gitbook.io/spine-finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://spine-protocol.gitbook.io/spine-finance/welcome-to-spine.md). # Welcome to Spine The Open Credit Infrastructure for Onchain Yield ### **Introduction to Spine Finance** Spine Finance is a Fixed-Rate Origination Infrastructure, created for the institutional-grade management of digital assets. Built on Ethereum and the EVM ecosystem, Spine introduces a hybrid liquidity architecture that bridges the gap between vault-based lending and orderbook-style term structures.With Spine, you can: * As lenders: Earn predictable, professionally curated yield with instant liquidity * As borrowers: Lock collateral for instant fixed-rate loans across multiple maturities * As curators: Secure and manage the Spine Vault with transparent risk parameters

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Deposit assets and earn adaptive, professionally curated yield Lend (Earn)		Lend (Earn)	lend.png
Lock collateral for instant fixed-rate, fixed-term loans across multiple maturities Borrow		Borrow	borrow.png