A money market protocol is a lending market where users can earn interest by supplying or borrowing assets by providing collateral. Smart contracts manage the process, and interest rates adjust according to supply and demand. If a borrower’s collateral falls below the required threshold, some or all of it may be liquidated to repay the loan. Because rates change with the market, the rate shown when you deposit is not fixed. Learn more about DeFi or explore Solflare’s trading tools.