> For the complete documentation index, see [llms.txt](https://limitless.gitbook.io/rammlend/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://limitless.gitbook.io/rammlend/products/universal-lending-pool.md).
# Universal Lending Pool
Perpetual/Floating Rate
**A universal lending pool is a vault<-> (isolated lending pool)s architecture that accepts *****any***** set of collateral/credit conditions, such as illiquid tokens or NFTs or a certain credit criterion(assuming a composable identity layer).** See the diagram in the *Borrowing from the pool* below.
A RAMMLend's vault could host multiple lending pools where its collateral is either a singleton or a combination of collaterals. A lending pool will be supplied/withdrawn by the vault when managers issue or redeem `longZCB.`
### Adding a new pool
A new lending pool can be added to the vault by anyone. The following information needs to a provided either through the UI or contract calls. More details in [parameter details](/rammlend/products/universal-lending-pool/parameter-details.md)
```cpp
// 1. CollateralInfo[], for each collateral. Includes params
// such as maxBorrowAble amount per unit collateral, collateral address, etc
struct CollateralInfo
// 2. Interest Rate Parameters
struct RateParams
// 3. Tranche Parameters applicable for all perpetual instruments, parametrizes the junior vs senior profit split
struct PoolData
```
### Supplying to the pool
Whenever a manager issues `longZCB` for the given pool, the collateral presented + capital from the vault will be allocated to the lending pool.
### Withdrawing from the pool
Whenever a manager redeems `longZCB` for the given pool, the protocol withdraws funds from the lendingPool back to the vault, and the manager will realize his profit.
### Borrowing from the pool
### Investing in the pool directly
An LP could also directly invest in the pool.
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