> For the complete documentation index, see [llms.txt](https://lucia-protocol.gitbook.io/lucia-protocol/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://lucia-protocol.gitbook.io/lucia-protocol/welcome-to-lucia-protocol.md). # Welcome to Lucia Protocol Lucia Protocol is a non-custodial lending and borrowing platform aimed at providing frictionless credit access to both individuals and startup enterprises. At its core, Lucia stands out for revolutionizing the financial sector, offering a comprehensive credit evaluation process that takes into account a multitude of both on-chain and off-chain metrics. This credit availability is intended not just for short-term needs but also for operational sustainability and long-term growth. This platform allows users to participate as either lenders or borrowers. Lenders can add liquidity to the platform and earn returns through interest and shared platform revenue. Borrowers can apply for loans after undergoing a simple and easy credit analysis and scoring system. The platform offers competitive collateralization rates, which means that borrowers can access credit up to 100% of the value of their collateral. As for incentives, Lucia Protocol distributes all rewards in its native LUCI tokens. Privacy is also a priority; the protocol employs zero-knowledge proofs to ensure confidentiality in credit score evaluations. Operating on the Polygon network, Lucia currently supports a diverse set of cryptocurrency assets, including but not limited to USDC, USDT, DAI, AVAX, ETH, and MATIC. **Links:** * Website: * Twitter: * LinkedIn: [https://linkedin.com/company/luciaprotocol/](https://www.linkedin.com/company/luciaprotocol/) --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## 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, and the optional `goal` query parameter: ``` GET https://lucia-protocol.gitbook.io/lucia-protocol/welcome-to-lucia-protocol.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. 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.