# Overview

Opus is a cross margin autonomous credit protocol that lets you borrow against your portfolio of carefully curated, sometimes yield-bearing, collateral. With minimal human intervention, the interest rates, maximum loan-to-value ratios and liquidation thresholds are dynamically determined by each user's collateral profile.

## Smart Contract Modules

<figure><img src="/files/giRTaLfXJkRUY8KyqQaW" alt=""><figcaption><p>Overview of the interactions between the smart contract modules of Opus</p></figcaption></figure>

<figure><img src="/files/SanpovgRC3di6qglaCJj" alt=""><figcaption><p>The smart contract architecture for Opus</p></figcaption></figure>


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