# Voyage Buy Voyage introduces several novel technical and financial concepts in the DeFi industry, designed to manage unique risks and incentivize interested ecosystem participants. Borrowing via Voyage diverges from most lending protocols in the following key aspects: ### 1 | Vaults All funds supplied by the liquidity pools are held in a smart contract wallet known as a Vault. These funds can only be used for predetermined on-chain, such as purchase of non-fungible assets from allowlisted marketplaces. ### 2 | Over-Collateralise Secondly, assets purchased on credit make up the bulk of the collateral, instead of borrower deposits. This allows the protocol to be over collateralised without a high upfront cost to the borrower, who is only required to front an amount in the Vault's margin account according to their borrowing needs. ### 3 | Term Loans with Fixed Repayments All Voyage loans are term loans with fixed repayment periods and instalments computed and made known to borrowers upfront, making repayments and financial planning predictable. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.voyage.finance/voyage/whitepaper/voyage-buy.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.