> For the complete documentation index, see [llms.txt](https://docs.opus.money/current/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.opus.money/current/technical-documentation/overview.md).

# 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>