# Rationale At present, a significant amount of liquidity on XRPL is idle. There are many token holders on XRPL who are keen to receive passive yield income for their holding assets. At the same time, there are other token holders (which may overlap with the above group) who are actively looking to leverage additional exposure without selling their holdings. Strobe's money markets are built specifically to address these underserved token holders. The lending markets allow depositors to passive gain yield on their assets, while the borrowing markets allow users to leverage their deposits as collaterals to borrow other assets, gaining active market exposure and access to liquidity without diminishing their positions.. --- # 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://strobe-protocol.gitbook.io/strobe-protocol/money-market/rationale.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.