> For the complete documentation index, see [llms.txt](https://docs.ybx.script3.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.ybx.script3.io/user-docs.md).

# User Docs

- [General](https://docs.ybx.script3.io/user-docs/general.md)
- [Lending & Borrowing](https://docs.ybx.script3.io/user-docs/lending-borrowing.md)
- [Lending](https://docs.ybx.script3.io/user-docs/lending-borrowing/lending.md)
- [Borrowing](https://docs.ybx.script3.io/user-docs/lending-borrowing/borrowing.md)
- [Interest Rates](https://docs.ybx.script3.io/user-docs/lending-borrowing/interest-rates.md)
- [Health Factors](https://docs.ybx.script3.io/user-docs/lending-borrowing/health-factors.md)
- [Liquidations](https://docs.ybx.script3.io/user-docs/lending-borrowing/liquidations.md)
- [Default Protection](https://docs.ybx.script3.io/user-docs/lending-borrowing/default-protection.md)
- [Escrowing](https://docs.ybx.script3.io/user-docs/escrowing.md)
- [Governance](https://docs.ybx.script3.io/user-docs/governance.md)
- [YBX Tokens](https://docs.ybx.script3.io/user-docs/ybx-tokens.md)
- [YBX Tokenomics](https://docs.ybx.script3.io/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](https://docs.ybx.script3.io/user-docs/ybx-tokens/game-theory-of-ybx.md): High-level rational decision making with YBX tokens and the YieldBlox protocol.
- [Why Stellar?](https://docs.ybx.script3.io/user-docs/why-stellar.md)