Kava Lend is a decentralized money market based on the Kava Platform that allows for cross-chain asset lending and borrowing. Kava Lend accepts supply-side deposits in the following currencies: BTC, XRP, BNB, BUSD, and USDX. For supported assets, the platform will allow for overcollateralized borrowing.Kava Lend's native governance token is the HARD token. A smart contract locks all HARD tokens delivered as prizes. HARD token holders with longer vesting schedules will receive additional tokens. Governance votes on the specific alternatives for token redemptions.The HARD token can be used for the following purposes: Liquidity mining rewards: users that deposit and/or borrow supported assets are rewarded with the HARD token. Governance voting: Holders of HARD tokens can participate in the development of Kava Lend by voting on governance issues and earning HARD rewards in the process.