# Introduction ![](https://1350602574-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FQb4zsR9XKwVtMUKtPBk0%2Fuploads%2FIKSprk8pgy5DBbwYYbHw%2FUnilend%20Horizontal%20Logo%20\(1\).png?alt=media\&token=1b387e46-5364-4acf-814a-84a4803081e0) UniLend Protocol is a permissionless decentralized money market protocol with lending and borrowing service through smart contracts. UniLend enables users to utilize their cryptocurrencies by supplying collateral to the network that may be borrowed by pledging over-collateralized cryptocurrencies. This creates a secure lending environment where the lender receives a compounded interest rate annually (APY) paid per block while the borrower pays interest on the cryptocurrency borrowed. This document highlights the latest version of our protocol, UniLend V2, which brings the dual asset pools for lending borrowing with price feed oracles and gas optimization. UniLend v2 is implemented as an entirely new set of contracts, available here. The UniLend v2 core contracts are partly upgradeable with some parameters controlled by governance. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://unilend.gitbook.io/unilend-finance/introduction.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.