# Introduction
## PAR4: A Web3 Protocol for Incentivized Loans
PAR4 is a platform where users can hedge reliable assets for capital gains and borrow against them to acquire stablecoin liquidity off of their collateral value and earn dividends in proportion to their active loans.
### Build Generational Wealth
PAR4 (Patronage Rewards for All) is a Web3 Co-Op Lending tool designed to help humanity build generational wealth through incentivized lending practices. It is a private protocol that operates solely for the exclusive advantage of its members and community, [devoid](/par4/glossary/devoid.md) of [capital stock](/par4/glossary/capital-stock.md) represented by [shares](/par4/glossary/shares.md).
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