> For the complete documentation index, see [llms.txt](https://docs.secured.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.secured.finance/fixed-rate-lending/getting-started.md).

# Getting Started

New to the Fixed-Rate Lending Protocol? Pick your path:

<table data-view="cards"><thead><tr><th></th><th></th></tr></thead><tbody><tr><td><strong>Quick Start: Lend</strong></td><td>Earn a fixed yield by buying Zero-Coupon bonds. <a href="/pages/3tW2CJIRQpN7WpMcbOA7">Start lending →</a></td></tr><tr><td><strong>Quick Start: Borrow</strong></td><td>Lock in a fixed borrowing cost against your collateral. <a href="/pages/xvlpjvqVlvS8CAsF6kXa">Start borrowing →</a></td></tr><tr><td><strong>Managing Your Positions</strong></td><td>Monitor, add to, reduce, and unwind positions. <a href="/pages/goZ4aaDwX1lnpfV8xLYt">Manage positions →</a></td></tr><tr><td><strong>Platform Guide</strong></td><td>Tab-by-tab tour of the web app. <a href="/pages/RA0YtgJgSiXD5wZW3yLi">Explore the app →</a></td></tr></tbody></table>

## Before you start

You'll need:

1. **A Web3 wallet** (MetaMask, WalletConnect-compatible wallets, etc.) — see the [Wallet Setup guide](/introduction/defi-starter-guide/wallet-setup.md) if you're new to this
2. **Assets to lend, or collateral to borrow against** — see [supported assets by network](/fixed-rate-lending/core-concepts/collateral.md)
3. **Native tokens for gas** (ETH on Ethereum/Arbitrum, FIL on Filecoin) — the in-app [Swap](/fixed-rate-lending/getting-started/platform-guide/bridge.md) can help you obtain them

{% hint style="info" %}
**One concept to understand first:** on this protocol, *lending* means *buying* a Zero-Coupon bond at a discount, and *borrowing* means *selling* one. The discount determines your fixed rate. Two minutes on [Zero-Coupon Bonds](/fixed-rate-lending/core-concepts/zero-coupon-bonds.md) will make everything else intuitive.
{% endhint %}