# Introduction Hover is a non-custodial liquidity market built on the Kava EVM. It empowers users to rise above market volatility by engaging in permissionless lending and borrowing of digital assets. Users can lend assets to earn yield or borrow assets to gain leverage, all without relying on a third party.\ \ Deposits and withdrawals on Hover can be made instantaneously, providing a low-friction source of liquidity for users and dApps that wish to build atop Hover’s liquidity pools.\ \ Interest rates on Hover are dictated by supply and demand, providing uninterrupted insights into the market lending rates.\ \ Prior to launch, early adopters can earn enhanced yields with boosted APY by depositing in Hover’s Genesis Pools for a limited period.\ \ Lending on Hover is overcollateralized, where the amount that can be borrowed is determined by the market value of the underlying collateral. Borrowers can use their constantly updated Health Factor to assess their borrowing risk. --- # 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.hover.market/introduction.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.