> ## Documentation Index
> Fetch the complete documentation index at: https://docs.solana.vanna.finance/llms.txt
> Use this file to discover all available pages before exploring further.

# Lending Pools

> Per-mint reserves: cash ledger, borrow totals, kink rates, caps.

Each registered mint has one `Reserve` at `["reserve", mint]` and one share mint at `["share_mint", mint]`.

## Balances that matter

| Field                        | Meaning                                  |
| ---------------------------- | ---------------------------------------- |
| `accounted_liquidity_assets` | Cash credited by measured transfers      |
| `total_borrow_assets`        | Outstanding principal + accrued interest |
| `total_borrow_shares`        | Sum of borrower shares                   |
| `accrued_protocol_fees`      | Reserve-factor slice, not lender equity  |
| `borrow_index_wad`           | Cumulative borrow growth                 |

```text theme={null}
lender_total_assets = accounted_liquidity + total_borrow − protocol_fees
available_cash      = accounted_liquidity − protocol_fees
utilization         = borrows / (cash + borrows)
```

Unsolicited transfers into the liquidity vault do **not** increase `accounted_liquidity_assets`. They cannot inflate vToken value.

## Status and modes

Reserves have their own status. The protocol also has `Normal`, `BorrowPaused`, `WithdrawOnly`, and `Halted`. New borrows respect both. Repay and liquidation stay available unless the specific gate says otherwise.

See [Interest Rate Model](/learn/interest-rate-model).