# Introduction to Alkemi Earn
Alkemi Earn is a non-custodial DeFi borrowing and lending protocol tailored to institutional requirements. Earn was designed to solve the friction points of capital, connectivity and control for CeFi institutions, facilitating their participation in the emerging on-chain structured financial product yields of decentralized finance.
As part of Alkemi Network's vision to enable *everyone* to access Decentralized Finance, two separate digital asset pools have been established.
The permissioned pool, *'Verified'*, creates a trusted-counterparty environment secured by the Alkemi Network's KYC / AML partner, KYC-Chain. Combined with advanced reporting and risk management features, Earn *permissioned* facilitates CeFi institution participation in the DeFi revolution.
Earn's second digital asset pool, *'Open'* , a KYC-free user experience provides open borrowing and lending DeFi access for anyone.
**Visit Alkemi Earn**[ http://earn.alkemi.network](http://earn.alkemi.network/)
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