# Concept ### Affluent Market **Affluent Market** is the core liquidity engine of the protocol. Users can supply assets as collateral, borrow against them, repay loans, and liquidate under-collateralized positions—all within a single, permissionless pool. **Key Functions:** * **Supply & Borrow**: Earn interest on supplied asset or use them as collateral to borrow * **Dynamic Interest Rates**: Rates adjust automatically based on liquidity status * **Oracle Integration** : Real-time price feeds secure collateral valuations * **Liquidation Process** : Robust liquidation of risky positions to protect the lenders’ liquidity ### Factory **Factory** enables permissionless creation of new markets. This allows anyone to create a pool without needing centralized approval, fostering open and decentralized lending. {% hint style="info" %} Once the codebase is fully battle-tested, pool creation will become completely permissionless. {% endhint %} **Key Functions:** * **Seamless Pool Deployment**: Initialize a new market in decentralized manner * **Standardized Parameters**: Consistent market setup for operational integrity ### Strategy Vault Affluent’s **Strategy Vault** extends beyond simple liquidity allocation. It allows Vault Managers—appointed by the owner—to lend, borrow, swap, and rebalance on behalf of depositors, producing diversified and sustainable yields. **Key Functions:** * **Streamlined Yield Optimization** : One-click access to multi-step investment strategies * **Adaptive Risk Management** : Expert teams continuously monitor and adjust risks * **Permissionless Liquidity** : Freely deposit or withdraw anytime, subject to liquidity conditions * **Transparent Operations** : All policies and transactions are fully auditable in real time --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.affluent.org/concept.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.