Grace operates a cross-margin lending protocol designed to remain resilient to oracle manipulation, volatility, exploits, and bad debt. Lenders supply assets as liquidity for borrowers and receive Grace Tokenized Reserve (GTR) rewards, while borrowers can deposit various collateral types and borrow supported assets. The protocol includes fair loss distribution among lenders, collateral value limits, collateral fees, and a Pessimistic Price Oracle. Its application provides borrowing, earning, positions, GTR, and referral functionality.