# Overview
Skaina is built on a set of core modules that work together to deliver permissionless cross-chain lending and borrowing on Moonbeam.
* **Main Interface:** Skaina is accessible through its unified interface on Moonbeam, where users can supply and borrow assets, swap collateral, and manage their portfolios in one place.
* **Collateral Supply Module** Users can deposit assets as collateral from multiple chains via LayerZero interoperability, allowing liquidity to flow seamlessly into Skaina without manual bridging.
* **Borrowing and Repayment Module:** Users can borrow supported assets and repay across chains.\
Interest rates adjust dynamically based on utilization and asset risk profiles, ensuring efficient capital markets across the Skaina ecosystem.
* **Collateral Swap Module:** Skaina provides native in-protocol collateral swap functionality, giving users the flexibility to manage risk, optimize collateral composition, and reduce liquidation probability all without leaving the platform.
* **Liquidation Module:** This module maintains protocol stability by liquidating undercollateralized positions. Liquidators are incentivized to keep all markets solvent and balanced, ensuring long-term security for lenders.
* **Oracle and Risk Management:** Skaina uses **API3 decentralized oracles** for real-time price data and dynamic risk modeling. These feeds ensure accurate collateral valuation, fair interest rate adjustments, and efficient liquidation processes across chains.
## Buyback (Coming Soon)
Fees collected in Skaina tokens are stored in the Assistance Fund. 95% of these fee tokens are automatically swapped into GLMR (Moonbeam) to support Moonbeam price stability and ecosystem growth.
## ERC-4626 Vault
**Convert Representative Token:**
1. User sends the representative token to the ERC-4626 vault.
2. The vault swaps the representative token into the real token.
3. User receives the real token.
**Supply Liquidity to ERC-4626 Vault:**
1. User supplies liquidity to the ERC-4626 vault.
2. User receives rewards from the vault.
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