Have you ever thought about how, in this era of booming multi-chain ecosystems, asset fragmentation is truly the ultimate challenge—

Holding some ETH on Ethereum, a bit of SOL on Solana, and some tokens on BSC, yet the DeFi yields on each chain are simply incomparable. Some stable liquidity pools offer only modest annualized returns, while a high-yield fund on a neighboring chain can double your earnings. If you want to move assets from Ethereum to chase higher yields, the hassle of cross-chain bridge fees and confirmation times can be frustrating. The biggest concern is the risk of the bridge itself malfunctioning, causing assets to get stuck—something everyone has experienced or heard about.

This creates a vicious cycle: holding safe assets with mediocre returns, or risking it all for higher yields—neither option feels quite right.

Now, there's a new approach—using cross-chain lending protocols to consolidate scattered assets. The core idea is straightforward—no matter which blockchain your assets are on, they can all be integrated into a unified credit system, allowing you to lend out stablecoins or other assets at low cost, which then automatically flows to the most profitable opportunities worldwide. This eliminates the hassle of frequent cross-chain transfers.

How does it work? In three steps:

**First, unified cross-chain credit assessment**

No need for frequent transfers. ETH on Ethereum, SOL on Solana, tokens on BSC, or even derivative tokens like staked assets—these can all be "collateralized remotely" through secure cross-chain bridging protocols into the same lending system. The entire credit evaluation is based on the total value of all your assets, not just those on a single chain.