# CeFi Loan Centralized Finance or CeFi lenders are organisations that provide loans, mostly over-collateralized against the cryptos held by the borrowers. CeFi lenders make it possible to borrow money against crypto holdings, the same way one would utilise traditional assets as collateral to apply for a bank loan. The total CeFi lending currently, as on June 2022, across various lenders, is over USD 25B and is growing at a very healthy rate of xx%. The CeFi lender that Cion Digital today brings to the marketplace is SALT Lending and several more are in the pipeline. The platform enables two ways to borrow: * one directly by the end consumer of the loan * and the other as a point of sale application wherein the merchant applies for the loan on behalf of the customer. For more questions, click [here](https://app.gitbook.com/o/Qf5xTwU8tzrOaPc06T5A/s/R8K6biUJl6Sez17WdBXa/~/changes/pf9ufL8FL3uESOG0cRvc/training-tools-and-libraries/faqs/crypto-secured-loans). --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.ciondigital.com/en/platform-capabilities/crypto-loans/borrower-features/cefi-loan.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.