# Lending Pools by Teller
As a **lender**, earn passive income (**interest**) alongside other lenders in a Teller Lending Pool. Loans are over-collateralized to unique specifications per-pool and liquidations automatically go to auction to refill the pool. That way, you choose your level of risk and reward to **make your passive capital work for you**.
As a **borrower**, unlock liquidity from **all** of your crypto assets and use **any** coin as collateral for loans from other users. Permissionlessly. Liquidations are based on time, not price, so repayments are **predictable** and stress-free.
### Jump right in
Liquidity pools page
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