# User Docs

- [General](/user-docs/general.md)
- [Lending & Borrowing](/user-docs/lending-borrowing.md)
- [Lending](/user-docs/lending-borrowing/lending.md)
- [Borrowing](/user-docs/lending-borrowing/borrowing.md)
- [Interest Rates](/user-docs/lending-borrowing/interest-rates.md)
- [Health Factors](/user-docs/lending-borrowing/health-factors.md)
- [Liquidations](/user-docs/lending-borrowing/liquidations.md)
- [Default Protection](/user-docs/lending-borrowing/default-protection.md)
- [Escrowing](/user-docs/escrowing.md)
- [Governance](/user-docs/governance.md)
- [YBX Tokens](/user-docs/ybx-tokens.md)
- [YBX Tokenomics](/user-docs/ybx-tokens/ybx-tokenomics.md): YBX's tokenomics were designed with the goal of creating a productive platform asset which enables its holders to benefit from every part of the YieldBlox Protocol.
- [Game Theory of YBX](/user-docs/ybx-tokens/game-theory-of-ybx.md): High-level rational decision making with YBX tokens and the YieldBlox protocol.
- [Why Stellar?](/user-docs/why-stellar.md)