# Fathom

> Borrow and earn on XDC.

## Lending (agents)

- MCP: https://lending-mcp.fathom.fi/mcp
- Skill: https://lending-mcp.fathom.fi/SKILL.md
- Also: https://dapp.fathom.fi/lending/SKILL.md
- Protocol: https://dapp.fathom.fi/lending/agent.md
- Manifest: https://dapp.fathom.fi/.well-known/mcp.json
- Connector: https://dapp.fathom.fi/#/lending/agent
- Approve: https://dapp.fathom.fi/#/lending/agent/approve/{id}
- Markets UI: https://dapp.fathom.fi/#/lending/markets

Tools: `lending_markets`, `lending_position`, `lending_simulate`, `lending_prepare`.

Reads are open (any 0x). `lending_prepare` returns a 5-minute approve URL — user signs with the same wallet. Amounts are human decimals or `max`. `XDC` is native; `WXDC` is wrapped. Open assets: XDC, WXDC, USDC. Close-only: FXD, xUSDT, FTHM. Frozen: CGO. Borrow rejected below HF 1.5.