> For the complete documentation index, see [llms.txt](https://monobridge.gitbook.io/monobridge/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://monobridge.gitbook.io/monobridge/case-study/3.3-cross-chain-lending-powered-by-mono-bridge.md).

# 3.3 Cross-chain lending powered by Mono Bridge

1. When the user mortgages Token A on Blockchain A, generic cross-chain messages generated from there will be transmitted to Blockchain B through Mono Bridge
2. The mortgage loan contract deployed by Blockchain B generates the mortgage ratio based on the liquidity of Token A and Token B on Blockchain A and Blockchain B, and transfers the corresponding amount of Token B to the user's account.

This process does not require the user to transfer digital assets to the target chain for mortgaged loans, or to firstly complete mortgage lending on the source chain and then transfer the acquired assets to the target chain. The process of returning the loan has also been simplified. Once the user repays the loans on the target chain, the mortgaged assets can be retrieved on the source chain. With the help of anyCall, cross-chain lending applications can be built in the form of cross-chain Dapps, in the same way as DEXs for unified business logic are built, that is, the user can build a complete business system leveraging the liquidity on multiple chains. This will not only increase the size of lending for a wider client base, but further reduce the lending risk of the system and users.