# Welcome to Spine

### **Introduction to Spine Finance**

Spine Finance is a modular, semi-fixed-rate credit infrastructure 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

<table data-view="cards"><thead><tr><th></th><th data-type="content-ref"></th><th data-hidden data-card-target data-type="content-ref"></th></tr></thead><tbody><tr><td>Deposit assets and earn adaptive, professionally curated yield<br><br><a href="/pages/BwNUJYh0Xi5elg6rX8VO">Lend (Earn)</a></td><td></td><td><a href="/pages/BwNUJYh0Xi5elg6rX8VO">/pages/BwNUJYh0Xi5elg6rX8VO</a></td></tr><tr><td>Lock collateral for instant fixed-rate loans across multiple maturities<br><br><a href="/pages/Nd3ilVku1O4sUosqAoLc">Borrow</a></td><td></td><td><a href="/pages/Nd3ilVku1O4sUosqAoLc">/pages/Nd3ilVku1O4sUosqAoLc</a></td></tr></tbody></table>


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# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://spine-protocol.gitbook.io/spine-finance/welcome-to-spine.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.