# Core Features

* **Flexible Lending Pools**: Lenders can create lending pools that allow multiple borrowers to borrow from a single order. This flexibility empowers lenders to set personalized terms for different borrowers.
* **Collateralized Borrowing**: Borrowers can access funds by depositing supported cryptocurrencies as collateral. They can borrow up to 80% of their collateral value.
* **Marketplace for Lending and Borrowing**: A central marketplace allows users to browse, create, or service lending and borrowing orders. If no suitable order is available, users can create their own.
* **Health Factor Monitoring**: The platform continuously monitors borrowers’ health factors, ensuring loans are managed according to risk thresholds and automatically triggering liquidations if necessary.
* **Security via EIP2535 Diamond Standard**: LENDBIT is built using the Diamond Standard to ensure modular and scalable smart contract architecture.