# Overview

[**Honey P2P**](https://p2p.honey.finance/) is built as a **layer 2** application on top of Honey's core lending product. It is meant to drive [capital efficiency](https://docs.honey.finance/products/honey-p2p/refinancing#capital-efficiency) in the protocol by allowing lenders and borrowers to be matched in peer-to-peer (P2P) markets.

Just like any layer 2 application, it can exist on it's own and can thus be used as a normal peer-to-peer marketplace for loans.

Honey P2P focuses on supporting financial NFTs, such as options, derivatives, or complex liquidity positions. As a **permissionless** dapp, anybody can use it to collateralise any NFT and build **open source** use-cases on top of Honey P2P.

## Explore P2P lending

{% content-ref url="/pages/RtztBbXF13LeMcq5BuzG" %}
[Refinancing](/honey-p2p/refinancing.md)
{% endcontent-ref %}

{% content-ref url="/pages/6N115LCcoVDoRWiVPok9" %}
[Protocol fees](/honey-p2p/protocol-fees.md)
{% endcontent-ref %}

{% content-ref url="/pages/WMYCOLJy814nfCbk2cns" %}
[Lending](/honey-p2p/lending.md)
{% endcontent-ref %}

{% content-ref url="/pages/naIYEk4hu0OrjlpmBacJ" %}
[Borrowing](/honey-p2p/borrowing.md)
{% endcontent-ref %}


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