> For the complete documentation index, see [llms.txt](https://xbankdocs.gitbook.io/product-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://xbankdocs.gitbook.io/product-docs/permissionless-consumer-liquidity.md).

# Permissionless Consumer Liquidity

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**Discover the xBank Buy Now Pay Later and experience the power of permissionless consumer liquidity protocol with #xBank Treasure Hunt Event#!** \
:rocket:**Join Us and Unlock Top Collection with Massive Rewards!**
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<figure><img src="/files/lgAzRZJmjjqahw2uETGG" alt=""><figcaption></figcaption></figure>

## :feather: Why Consumer Liquidity Protocol for On-Chain Assets Like NFTs?

1. There is a mismatch between **Buyers' Intention** and **Financial Capabilities** to own an on-chain asset or speculate on margins.
2. For stakeholders of on-chain assets like teams and communities, **limited forms of financial supports** for their audiences is always a pain point and they need to rebuild sale strategies again and again.&#x20;

The solution of xBank with its tokenomics is a reconciliation of money lending market with efficiency by introducing asset stakeholders as an integral part of the ecosystem.&#x20;

## :feather: The xBank App

> The xBank App is a decentralized platform (with non-custodial basis) modified for new adopters to interact with services and features powered by the xBank Consumer Liquidity Protocol. The xBank App is now available on both AppStore and Google Play and it is optional for users to dive into the Open Money Market.