# Pay-Advancements Over Your Cash-Flow Tokens&#x20;

Paydax offers a smarter way to access funds without giving up ownership of your&#x20;yield-generating assets. It's a lending protocol that allows you to borrow blue-chip&#x20;cryptocurrencies by using a wide range of advanced and often underutilized tokens as&#x20;collateral. These types of tokens usually remain idle or locked for long periods, earning&#x20;passive rewards but limiting your ability to use their value elsewhere.

With Paydax, you can keep earning from these tokens while also using them to unlock&#x20;liquidity. For example, if you hold stETH or aUSDC, you can borrow USDC or ETH against&#x20;them without stopping your staking rewards. This approach improves capital efficiency and&#x20;allows you to meet personal or financial goals (such as reinvesting or seizing new&#x20;opportunities) without needing to sell or unstake your assets.
