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Bend is a decentralized lending protocol forked from Morpho. It enables efficient lending and borrowing with native Proof-of-Liquidity (PoL) on Berachain. As a lending primitive, Bend allows permissionless creation of immutable, efficient lending markets. Bend inherits the core architecture from Morpho v1 vaults and markets—familiar, battle-tested infrastructure—and adds Berachain’s Proof-of-Liquidity consensus.
Bend protocol overview
Use Bend at bend.berachain.com.

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How it works

Bend acts as a lending primitive layer. Smart contracts create immutable, efficient lending markets. The protocol supports:
  • Lending: Deposit assets to earn interest and $BGT
  • Borrowing: Borrow assets by providing collateral
  • Market creation: Permissionless creation of new lending markets
  • Interest rates: Market-driven rates based on supply and demand

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Key features

  • Collateralization: Provide collateral to borrow assets
  • Risk protection: Liquidation and loan-to-value ratios protect the protocol
  • Interest accrual: Dynamic rates based on market conditions
  • Open participation: Anyone can lend or borrow
  • Non-custodial: You keep ownership of your assets
  • Vault system: Morpho v1 vault architecture
  • Native PoL: Berachain Proof-of-Liquidity rewards lending to borrowers

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Use cases

  • Lending: Earn interest on deposited assets
  • Borrowing: Access liquidity while keeping asset exposure
  • DeFi integration: Build lending into other applications
  • Looping: Leveraged exposure on yields via looping strategies

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Getting started

Go to Bend, connect your wallet, then choose an action:
  • Lend: Deposit & Withdraw — supply $HONEY to a vault and optionally stake for $BGT.
  • Borrow: Borrow & Repay — supply collateral and borrow $HONEY; monitor LTV to avoid liquidation.
If you use Morpho, Bend will feel familiar and adds Berachain Proof-of-Liquidity and ecosystem benefits. See the Guides section and start with Borrow & Repay.