# Problem Statement Traditional financial institutions impose strict requirements and long approval processes, making it difficult for many individuals to access credit. Existing decentralized lending platforms often suffer from high fees, inefficient collateralization mechanisms, and lack of user-friendly interfaces. Lend Bridge aims to solve these issues by offering a decentralized, efficient, and inclusive lending solution. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://whitepaper.lendbridge.xyz/problem-statement.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.