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

# Overview

Learn how Clovis connects Earn, Borrow, and Bridge to help users earn yield and borrow assets across supported blockchain networks.

## Overview

Clovis brings Earn and Borrow into one cross-network experience. Supply a supported asset, keep earning through a `cloToken` position, and use that position as collateral to borrow USDC or USDT on an enabled destination network.

You do not need to withdraw your Earn position before borrowing. The position remains collateral while the borrowed asset is released where you need it.

### What can you do with Clovis?

#### Earn

Supply a supported asset from a connected network and receive a `cloToken` that represents your share of the Earn Vault.

You can keep the position Flexible, move it into a Lock Position, use it as eligible Borrow collateral, or Withdraw the underlying asset.

Learn how [Earn](/clovis/earn.md) works

#### Borrow

Use an eligible Earn position as collateral to borrow USDC or USDT. The borrowed asset can be released on Base or to an enabled destination network shown by the app.

Learn how [Borrow](/clovis/borrow.md) works

#### Bridge

Move a supported underlying asset between connected networks. Bridge is useful when you want to move the asset itself. Borrow is the flow to use when you want to keep the Earn position and receive USDC or USDT elsewhere.

Learn how [Bridge](/clovis/bridge.md) works

### Before you start

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You need:

1. A compatible self-custodial wallet.
2. A supported asset on a connected network.
3. Enough native gas token for the network where the transaction begins.
4. Time to review the network, asset, amount, destination, fee, and estimated receive amount before signing.

Confirmed onchain transactions cannot be reversed. Check the transaction details before signing.

### Terms you will see

<table><thead><tr><th width="177.55560302734375">Term</th><th>Meaning</th></tr></thead><tbody><tr><td>Underlying asset</td><td>The original asset you supply, borrow, repay, bridge, or withdraw, such as USDC, USDT, WETH, or cbBTC.</td></tr><tr><td><code>cloToken</code></td><td>The yield-bearing share that represents an Earn position, such as <code>cloUSDC</code>, <code>cloUSDT</code>, <code>cloWETH</code>, or <code>clocbBTC</code>.</td></tr><tr><td>Flexible position</td><td>An Earn position that continues earning and can be locked, used as eligible Borrow collateral, or withdrawn.</td></tr><tr><td>Lock Position</td><td>The user-facing name for a locked Earn position. It is represented onchain by an NFT.</td></tr><tr><td>Processing</td><td>A cross-network action is still being settled or released. The source transaction can confirm before the destination asset arrives.</td></tr></tbody></table>

### How Clovis works in simple terms

**Sei is the liquidity hub.** Think of Sei as the shared pool where Clovis concentrates supported liquidity. This helps Clovis make assets available for transfers, destination releases, and other cross-network actions.

**Base is the settlement layer.** Think of Base as the record book for Clovis transactions. It records settlement and coordinates the release of assets on the destination network.

You do not need to move your assets to Sei or Base yourself. Select the source and destination in the app, confirm the transaction in your wallet, and follow the status until the destination release is complete.

### Cross-network actions

After you confirm a source transaction:

1. The source transaction is confirmed on the source network.
2. Clovis processes the cross-network action.
3. The destination network releases the asset.
4. The asset appears in your destination wallet or Portfolio.

For the full status definitions and recovery steps, see Transaction status and recovery.

### Before signing

The app is the source of truth for the current:

* supported networks and assets;
* available routes;
* remaining capacity;
* fees; and
* available actions.

Always review the final transaction details in the app and your wallet.