# Vaults

## For Lenders

Banx Vaults provide a passive lending experience similar to traditional lending pools but with significant improvements.

### Curated Risk Profiles

Banx Vaults offer a selection of vaults tailored to different risk levels, moving away from the conventional one-size-fits-all model. This allows users to choose vaults that align with their specific risk tolerance. In traditional lending pools, all assets are exposed to the highest-risk assets. However, with Banx Vaults, lenders can get exposure to high-risk, long-tail assets with higher yield or the opposite by selecting vaults that lend exclusively against blue-chip collateral.

### Higher Yield

Banx’s custom offers settings enable lenders to earn better yields. 

### Transparency

Banx Vaults are permissionless and distribute fully verifiable onchain allocations. 

## For Risk Experts/MMs

Banx Vaults introduce an innovative approach to risk management that benefits both experts and users.

### Direct Service to Users, Not DAOs

Banx Vaults allow risk experts and protocols to directly serve users rather than consulting for DAOs. This creates a more scalable and user-aligned business model.

### Permissionless Infrastructure

With no coding required Banx Vaults lower the barriers to entry for risk experts. They can easily create revenue-generating products with minimal effort and cost.