> ## 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.

# Key Features

> Discover the core features that make Creda Finance unique

Creda focuses on safe, efficient lending with a clean UX.

## Core

* Supply to earn; borrow against collateral; withdraw subject to liquidity
* Dynamic, utilization‑based rates; continuous compounding

## Risk Controls

* Health factor monitoring and alerts
* Automated, fairly priced liquidations
* Isolation Mode to contain riskier collateral
* EMode for correlated assets to boost LTV within a group

## Pricing

* Multi‑source oracle data with validation and smoothing

## Developer‑Friendly

* GraphQL/REST APIs backed by an indexer
* Gas‑efficient contract design (virtual amounts, indices)

<Columns cols={2}>
  <Card title="Lending Basics" icon="arrows-rotate" href="/concepts/lending-and-borrowing">
    Key mechanics and formulas.
  </Card>

  <Card title="Isolation Mode" icon="shield-check" href="/concepts/isolation-mode">
    When risk is contained.
  </Card>

  <Card title="EMode" icon="zap" href="/concepts/efficiency-mode">
    Higher LTV for correlated assets.
  </Card>

  <Card title="Oracle Pricing" icon="chart-line" href="/concepts/oracle-pricing">
    How prices are determined.
  </Card>
</Columns>