# Voyage Lend

Voyage operates on a pool-to-peer architecture. All deposits of underlying assets are held in pools, from which Vaults may draw funds and repay loans. Voyage liquidity pools are implemented as [EIP-4626](https://eips.ethereum.org/EIPS/eip-4626) vaults, from which depositors receive a pro-rated share of the income derived from borrower interest as loans are repaid.