# Fluid Lending

> Use this skill when the user wants to borrow or create lending pools on FluidTokens. Triggers on: "FluidTokens", "borrow against NFT", "create lending pool", "borrow ADA", "borrow USDM", "collateral lending", "peer-to-pool lending". Supports ADA, FLDT, Snek, USDM, USDA, STRIKE, WMTX, HOSKY, wUSDC, wBTC, cAP3X.

- Skill: `flux-point-studios/fluid-lending` (Agent Skill, multi-file: 3 files)
- Install (CLI): `npx skillmds@latest add flux-point-studios/fluid-lending`
- Raw SKILL.md: https://api.skillmd.com/api/skills/flux-point-studios/fluid-lending/raw
- Safety review: pending
- Works with: Claude Code, Claude.ai, OpenAI Codex
- Category: Coding & Dev Tools
- Author: flux-point-studios (https://skillmd.com/u/flux-point-studios)
- Updated: 2026-09-17
- Page: https://skillmd.com/skills/flux-point-studios/fluid-lending

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# FluidTokens Lending

Borrow tokens against collateral or create lending pools on FluidTokens.

## Capabilities

- Borrow any supported token against collateral (server auto-selects best pools)
- Create custom lending pools with configurable terms
- Support for perpetual and fixed-term loans

## Supported Tokens

ADA, FLDT, Snek, USDM, USDA, wUSDC, wBTC, STRIKE, WMTX, cAP3X, HOSKY

## Scripts

### Borrow
```bash
node scripts/borrow.js --address <bech32> --borrow-token ADA --borrow-amount 1000000000 --collateral-policy <policyId> --collateral-asset <assetHex> --collateral-amount 5000
```

### Create Pool
```bash
node scripts/create-pool.js --address <bech32> --lend-token ADA --amount 500000000 --rate 4.65 --markets FLDT --period 168 --perpetual
```

## Key Concepts

- Server auto-selects optimal pools for borrow requests
- Returns array of unsigned CBOR txs — sign in sequence (rootUtxoTx first, then borrowTx)
- Amounts in smallest units (lovelace for ADA)
- `borrowToken` param auto-maps to correct policy ID per network