Votre is a liquidation free, non custodial lending protocol that lets borrowers obtain liquidity against crypto collateral at high loan to value ratios while keeping market exposure. Borrowers deposit supported assets such as WETH or cbBTC and take loans funded by suppliers who lock liquidity through the EscrowSupplierNFT smart contract. The protocol hedges collateral by swapping it upfront into the liability token, removing margin calls and forced liquidations. Loan size, term and fees are defined in standardized on chain agreements that govern repayment and default outcomes.