# Use Cases Credit is simply giving someone a dollar and expecting them to return it - be it a lifeline, an open line of credit, or an investment bridge. Union functions as a primitive so that anyone can lend, borrow, or build credit on-chain. **Union is more a foundation to build on than a retail product.** There are many types of credit relationships that could be defined in Union: * 1 β†’ 1: This is a lot of overhead for the use case of a single person lending a friend $20. (Passive Nature: When you borrow from a friend) * Many β†’ 1: Groups working together: 3 people vouching $100 for a 4th, gives the 4th access to $300. * 1 β†’ Many: a single Underwriter vouching for a param, a DAO providing it’s members a credit line * Many -> Many: All of the above contributing It will be up to devs to build product experiences. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.union.finance/protocol-overview/master.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.