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

<figure><img src="https://529058063-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FpSU1MwTfIh3cgD11CCkg%2Fuploads%2FhnqF0mZZCPi8kT6guVoY%2Fimage.png?alt=media&#x26;token=dad3ac68-a3cb-40b4-8485-e235e52e58bc" 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.