> For the complete documentation index, see [llms.txt](https://yupana-finance.gitbook.io/yupana-document-portal/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://yupana-finance.gitbook.io/yupana-document-portal/introduction/participants.md).

# Participants

The Yupana.Finance community is composed of three primary user roles: lenders, borrowers and liquidators

**Lenders** supply their assets to lending pools and receive an equivalent amount of yTokens. Lenders earn interests for providing their assets. Anyone can become a lender.

**Borrowers** can directly take a excess security loan through the Yupana protocol as P2P lending. To get a loan, the borrower needs to supply assets as a collateral more valuable than the loan amount.

**Liquidators** close debt positions when collateral value not properly covering their loan/debt value. In a liquidation, up to 50% of a borrower's debt is repaid and that value + liquidation fee is taken from the collateral available, so after a liquidation that amount liquidated from debt is repaid.