# Problem ## Fragmented RWA Liquidity Across Chains Tokenized stocks are issued and distributed across multiple chains and ecosystems. This fragmentation prevents users from efficiently using their RWA assets as collateral outside their origin chain and significantly reduces overall capital efficiency. ## No Native Cross-Chain Borrowing Most lending protocols are confined to a single chain. Even when RWAs exist on multiple networks, users cannot borrow liquidity cross-chain against the same collateral, forcing unnecessary bridging, asset duplication, or full position unwinding. ## Static Collateral in Lending Protocols Once collateral is deposited, it becomes locked and unusable. Users are unable to rebalance or adjust their collateral portfolio without fully closing their borrowing position, limiting flexibility and increasing friction. ## Limited Utility of Tokenized Stocks Tokenized equities largely remain passive assets on-chain. Without integrated lending, cross-chain borrowing, and active collateral management, their potential as core DeFi primitives remains unrealized. --- # 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://supala-finance.gitbook.io/supala-fi-docs/getting-started/problem.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.