> For the complete documentation index, see [llms.txt](https://solvency.gitbook.io/whitepaper/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://solvency.gitbook.io/whitepaper/welcome-to-solvency-financial.md).

# WELCOME TO SOLVENCY FINANCIAL

<figure><img src="https://2052033477-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FuoXQ666Cw1JNfYsFMbB5%2Fuploads%2FFgY99ULPiDQaJYwD5XNC%2FLOGOCONNOMBRE.JPG?alt=media&amp;token=ae9f9227-438b-4963-bd32-bf671a4acfe9" alt=""><figcaption></figcaption></figure>

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**SOLVENCY** is a unified DeFi protocol that combines staking, lending, and concentrated liquidity by leveraging vault-based strategies built on Uniswap V3 and V4. Users deposit into structured vaults that deploy capital into external CLMM pools, where liquidity positions are actively managed and generate trading fees. These vault positions remain fully productive and can be used as collateral to borrow stable assets without withdrawing liquidity, enabling users to simultaneously earn yield, maintain market exposure, and unlock additional capital. By aggregating liquidity into shared vaults and integrating lending on top, Solvency maximizes capital efficiency while ensuring that all trading profits generated in external pools are returned to their respective participants.
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