> ## Documentation Index
> Fetch the complete documentation index at: https://docs.rampartlabs.xyz/llms.txt
> Use this file to discover all available pages before exploring further.

# Lending Overview

> All 14 lending protocols available on Monad through the Rampart

<Info>
  Rampart provides a unified interface to 14 lending protocols on Monad, covering Aave forks, Euler vaults, Morpho, CDP systems, cross-chain spokes, RWA vaults, and more.
</Info>

## Overview

Monad hosts a rich lending ecosystem spanning multiple protocol architectures. Rampart normalizes access to all of them through consistent TypeScript functions and AI-ready tools.

## Protocol Directory

| Protocol                   | TVL       | Type                         | Key Function             |
| -------------------------- | --------- | ---------------------------- | ------------------------ |
| [Neverland](neverland)     | \~\$15M   | Aave V3 Fork                 | `getLendingRates()`      |
| [Euler](euler)             | \~\$20M   | Euler V2 (108 vaults)        | `getEulerVaults()`       |
| [Morpho](morpho)           | \~\$5M    | Morpho Blue / MetaMorpho     | `getMorphoVaults()`      |
| [Curvance](curvance)       | \~\$58.9M | Multi-Collateral Lending     | `getCurvanceMarkets()`   |
| [Sherpa](sherpa)           | \~\$3M    | Delta-Neutral USDC Vault     | `getSherpaVaults()`      |
| [Accountable](accountable) | \~\$2M    | Undercollateralized Lending  | `getAccountableVaults()` |
| [Folks Finance](folks)     | \~\$8M    | Cross-Chain Lending (spokes) | `getFolksMarkets()`      |
| [Sumer Money](sumer)       | \~\$4M    | Compound V2 Fork             | `getSumerMarkets()`      |
| [TownSquare](townsquare)   | \~\$2M    | Cross-Chain Spoke/Hub        | `getTownSquareMarkets()` |
| [Timeswap](timeswap)       | \~\$500K  | Fixed-Maturity Options       | `getTimeswapStats()`     |
| [Nabla](nabla)             | \~\$3M    | Single-Sided AMM             | `getNablaPools()`        |
| [Covenant](covenant)       | \~\$500K  | CDP / Structured Products    | `getCovenantStats()`     |
| [Multipli](multipli)       | \~\$1M    | RWA Yield Vaults             | `getMultipliVault()`     |
| [LeverUp](leverup)         | \~\$500K  | Leveraged Perps + LVUSD      | `getLeverUpStats()`      |

## Aggregated Access

You can pull supply rates from all protocols in a single call using the market intelligence aggregator:

```typescript theme={null}
import { Rampart } from 'rampart-monad'

const sdk = new Rampart()

// Best supply rate across all lending protocols
const best = await sdk.getBestSupplyAsset()
// → { protocol: 'euler', asset: '0x...', apr: 0.087 }

// All Euler vaults sorted by APR
const vaults = await sdk.getEulerVaults()
// → [{ address, asset, apr, totalSupply, utilization, protocol: 'euler' }, ...]

// Neverland supply/borrow rates
const rates = await sdk.getLendingRates()
// → [{ asset, supplyAPY, borrowAPY, protocol: 'neverland' }, ...]
```

## Architecture Notes

<Note>
  All lending functions are available both as standalone imports and as methods on the `Rampart` class. The `RampartAgent` exposes them as AI tools for use with the Vercel AI SDK.
</Note>

* **Euler V2** - 108 vaults discovered by iterating factory events; APR computed as `interestRate() / 1e27 * 31_536_000`
* **Morpho** - MetaMorpho vaults on top of Morpho Blue core; curated by third parties
* **Curvance** - Largest TVL lender on Monad at \~\$58.9M; supports multi-collateral positions
* **Cross-chain protocols** (Folks, TownSquare) - use spoke/hub architecture; Monad is a spoke chain