# Core Money Market

<figure><img src="/files/nq9NLaf0KU4TFIyMuu6a" alt=""><figcaption></figcaption></figure>

Two-sided market where suppliers deposit USDC into the pool to mint USD3, and optionally stake for sUSD3, and get exposure to a diverse pool of credit lines to crypto creditors. On the other side, merchants permissionlessly connect their ETH address, bank account via Plaid, and credit karma via zkTLS, and instantly generate a 0% collateral open-term variable-rate USDC credit facility.&#x20;

The core money market is an instantiation of the Morpho Blue contract with new credit underwriter, credit slashing, and interest rate modules to push credit lines, incentivize repayment, and provide address-specfic credit default risk premiums respectively.


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