# Oraichain Market

Orchai Money Market is an Anchor-inspired lending protocol that enables depositing and borrowing of stablecoins. Lenders have the ability to deposit their stablecoins to earn interest, while borrowers can borrow in an over-collateralized manner.

 Orchai Money Market is permissionless to use and allows DeFi users to:

* Instantly [borrow](/orchai-money-market/oraichain-market/borrowing.md) from a money market using their [sAssets ](/orchai-liquid-staking/staked-assets-sassets.md)as collateral
* Instantly [supply and withdraw](/orchai-money-market/oraichain-market/lending.md) stablecoin from the money market to earn lending yield
* Buy sAssets with a discount by participating in the [liquidation](/orchai-money-market/oraichain-market/liquidation.md)
* Have a live and transparent view of[ interest rates](/orchai-money-market/oraichain-market/protocol-parameters.md#interest-rate-model) around the clock based on the asset's market supply and demand

<figure><img src="/files/LycbEOFTNZHcZRJUVFoV" alt=""><figcaption></figcaption></figure>

Orchai’s main objectives are security, capital efficiency, and user experience. Hence, instead of being able to borrow any asset from a pooled set of assets, Orchai users will only be able to borrow one stablecoin, which is USDT. This is also known as a single borrowable asset.


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