> For the complete documentation index, see [llms.txt](https://docs.baumai.xyz/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.baumai.xyz/network/lending-market.md).

# USDX lending market

One network-wide market — USDX collateral, USDG loans.

A single Morpho-style market on Robinhood Chain, network-wide:

* **Collateral:** USDX
* **Loans:** USDG
* **Rate:** standard utilization-kinked interest rate

Borrowed USDG mints USDX, so lending capital flows into USDX reserves and the USDX supply grows with the market.

## Lenders earn three ways

1. Market interest from borrowers
2. BAUM incentives on lent USDG, at a rate set when the market opens
3. Broker points at the highest rate in the system — 3 pts per $1 per day (see [Earning points](/points-and-levels/points-and-levels.md))

## Initial targets

* $20M USDG lent
* $20M USDX supply


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