# Solution: Aggregated Lending

<figure><img src="https://3252989348-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FN0J2kJZOrewonkLY6Dkj%2Fuploads%2FQ0IkilC9j4KePFGFhOxP%2F02.png?alt=media&#x26;token=b5fecfe3-d5b4-4e4e-b811-741b1ac01de1" alt=""><figcaption><p>Aggregated Layers: Core Bank and Core Market</p></figcaption></figure>

Untitled Bank introduces **Aggregated Lending**, an innovative solution that unifies permissionless lending markets through aggregation layers - the **Core Market** and **Core Bank**. The Core Market aggregates markets with identical collateral-loan asset pairs, while the Core Bank manages the aggregated liquidity pools. This layered structure preserves the flexibility of modular market creation while solving liquidity fragmentation, offering users the best of both modular and monolithic lending systems.

Deep dive into our layered structures in [**Layered Bank Structure**](https://docs.untitledbank.co/core-concept/banks/layered-bank-structure) and [**Layered Market Structure**](https://docs.untitledbank.co/core-concept/markets/layered-market-structure) part.&#x20;