> For the complete documentation index, see [llms.txt](https://docs.friendly.market/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.friendly.market/products-1/how-to-supply-assets.md).

# 📘 How to Supply Assets

Supplying assets on Friendly Market lets you earn yield and unlock collateral power in **two ways**:

1. **Native Lending (Pools on Nibiru)**
   * Assets like **NIBI** can be deposited into Nibiru’s own pools.
   * Interest (and rewards in the future) are earned directly on-chain.
   * Collateral is held on Nibiru.
2. **Cross-Chain Lending (Compound Pools on Ethereum & Base)**
   * Assets you supply are automatically **bridged via LayerZero + Stargate**.
   * Once bridged, they are supplied to **Compound V3** markets on Ethereum or Base on your behalf. You always keep ownership of the tokens. **Friendly Market does not hold your tokens**.
   * You don’t need to manually bridge or interact with Compound — it’s handled in the background.

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#### Why it matters

* **Native pools** give you exposure to Nibiru-native assets.
* **Cross-chain pools** unlock access to **billions in liquidity** on Ethereum and Base.
* You can diversify and earn rewards from **multiple chains** while staying inside your Nibiru wallet.

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### How to Supply

1. Navigate to the **Supply & Borrow** tab for your chosen asset.
2. Under **Asset Management**, select **Supply**.
3. Enter the amount you want to deposit.
4. Confirm the transaction:
   * If it’s a native **market**, your tokens stay on Nibiru.
   * If it’s a **Compound (cross-chain) market**, your tokens will be **bridged to Ethereum or Base** and deposited into Compound V3 on your behalf. (Estimated bridge time: 2–5 minutes). You always keep ownership of the tokens. **Friendly Market does not hold your tokens**
5. Once confirmed, your supply will appear in **My Position** and start earning interest.

<figure><img src="/files/FEQaWSX7MJbb5azJBR7a" alt=""><figcaption></figcaption></figure>

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### Interest Rate Model (Right Panel)

* **Total Supply** = all liquidity in the market.
* **Total Borrow** = amount borrowed from this liquidity.
* **Available Liquidity** = funds left to be borrowed.
* **Interest Rate Chart**:
  * **Supply APR** = what you earn.
  * **Borrow APR** = what borrowers pay.
  * Rates increase as utilization rises.

<figure><img src="/files/HFGQLO2bLna6200nJFuw" alt=""><figcaption></figcaption></figure>

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### Collateral Assets Table

This section lists which assets can be used as collateral in both native and cross-chain markets.

* **Asset**: Token supported (e.g., cbETH, WETH, cbBTC).
* **Total Supplied**: Liquidity provided by users.
* **Collateral Factor**: How much of the asset’s value counts as borrowing power.
* **Liquidation Factor**: Safety threshold before liquidation can occur.
* **Liquidation Penalty**: Extra cost applied to liquidated positions.
* **Oracle Price**: Current market value, fetched from decentralized oracles.

<figure><img src="/files/Sv1cKN7Vn1Eda8Ih5WLE" alt=""><figcaption></figcaption></figure>

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## ✅ Key Takeaway&#x20;

* There are **two types of lending**:
  * **Native** → stays on Nibiru.
  * **Compound (cross-chain)** → bridged automatically to Ethereum or Base.
* Supplying earns yield **and** enables borrowing.
* The collateral table explains how much you can safely borrow against your supply.