> For the complete documentation index, see [llms.txt](https://credix-1.gitbook.io/docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://credix-1.gitbook.io/docs/how-credix-works/lending-aggregation-flow.md).

# Lending Aggregation Flow

When a user deposits an asset into CrediX (e.g., USDC), the protocol:

1. Automatically finds the best lending platform offering the highest APY.
2. Routes the funds to that protocol via smart contract adapters.
3. Continuously monitors for better rates.
4. Rebalances the funds to a higher-yielding protocol when necessary.