# Sumer Synthetic Assets as Money Multipliers

Sumer was inspired by a traditional finance solution: deposit in your local bank and get a travelers’ check or credit card going globally. Users can now create synthetic suUSD, suETH and suBTC with the same lending deposit, enabling a travelers' check-like experience for omni-chain DeFi and participation in new ecosystems while retaining yields (staking, restaking, lending) on their native chain.

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Sumer Synthetic Assets use Sumer’s Capital Efficient unified liquidity pool to mint the SuTokens at up to 98.5% LTV for correlated assets and at no cost. Defi users can further bridge SuTokens across any supported networks through our reputed partners Chainlink CCIP and LayerZero.  

<table data-header-hidden><thead><tr><th width="153"></th><th></th></tr></thead><tbody><tr><td>Position</td><td>Deposit wstETH, mint suETH at up to 98.5% LTV</td></tr><tr><td>Yield Opportunities</td><td><ol><li>Staking Yield </li><li>Lending Yield</li><li>suETH farming yield</li><li>suETH peg arbitrage</li></ol></td></tr><tr><td>Market Risks</td><td><ol><li>Liquidation Risk (price of wstETH deviates significantly from ETH)</li><li>Redemption Risk (price of suETH deviates significantly from ETH)</li></ol></td></tr><tr><td>Operational Risks</td><td><ol><li>Smart Contract Risk minimized by 3 Audits, Continuous Audit Partnership, Real time risk monitoring and prevention, withdrawal guard and supply/borrow caps</li><li>Interoperability Risk minimized by choosing reliable partners (Chainlink CCIP, LayerZero)</li></ol></td></tr></tbody></table>

<figure><img src="https://3782917426-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FFi2uS6PScv4FA0cwortO%2Fuploads%2FELPAQ37I6Hpe501gQhPz%2FSumer%20synths%20and%20bridge.JPG?alt=media&#x26;token=6277f759-6f13-4584-a07e-2c8071450c3c" alt=""><figcaption></figcaption></figure>

&#x20;As evident from above, Sumer Synthetic Assets create money multipliers for DeFI users to earn additional yield while retaining yield on their native chain.

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