Reason #2 To Just Use Jupiter Lend: Bad Debt is the biggest systemic risk in DeFi lending. It's when a borrower owes more than their collateral is worth, and the position isn’t liquidated in time. Entire protocols have collapsed from it. To prevent this, platforms are forced to offer you more conservative terms such as lower value for your loans. Because Jupiter Lend's liquidation engine is the most efficient in the industry, we can offer better terms for borrowers while reducing protocol risk. This means Higher LTVs, Lower Liquidation Penalties, and Liquidations that simply bring your position back to health and no further. Even during the market crashes of 10/10 and 2/5, Lend showcased this efficiency, accruing no bad debt. In fact, @jup_lend has accrued $0 of Bad Debt since Day 1.