> For the complete documentation index, see [llms.txt](https://defihouse42.gitbook.io/docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://defihouse42.gitbook.io/docs/protocol/cross-chain.md).

# Cross-Chain Vision

**Chain fragmentation** limits the effectiveness of *decentralized credit*.\
Lenders and borrowers are **separated by network boundaries**, reducing *matching opportunities*.

**DeFi House** aims to address this through a *phased approach*.

## Planned Cross-Chain Features

* **Cross-chain lender discovery**
* *Collateral on one chain*, *borrowing on another*
* **Unified borrower reputation** across networks
* **Secure loan-state synchronization**

{% hint style="warning" %}
Cross-chain functionality is a future phase that requires mature messaging infrastructure and extensive security review.
{% endhint %}