> ## Documentation Index
> Fetch the complete documentation index at: https://docs.creda.finance/llms.txt
> Use this file to discover all available pages before exploring further.

# Developer Overview

> Overview of Creda Finance architecture for developers

Creda is a modular Cosmos lending protocol: CosmWasm contracts on‑chain, an indexer + API off‑chain, and a React frontend.

## Architecture

* Contracts: portfolio (lending/borrowing), oracle, token proxies, global config
* Backend: indexer processes events → Postgres → GraphQL/REST APIs
* Frontend: React + TypeScript using the GraphQL API and wallet adapters

## Key Ideas

* Virtual amounts with growing indices for gas‑efficient interest accrual
* Isolation Mode to contain riskier collateral with caps
* Oracle smoothing and validation to reduce manipulation and noise

## Integrating

* Query raw contract state with CosmJS where needed
* Use the GraphQL API for enriched portfolio/market data

Next: see GraphQL API for real queries and endpoints, and the backend Architecture page for system details.