Pike is a cross-chain lending market with no bridge and wrapped tokens risks. Pike allows users to access native liquidity across any chain. Its modular design improves security and capital efficiency, offering better rates through interest rate arbitrage and full liquidity utilization, boosting market stability. Pike’s new design introduces three core modules: Local Markets (LMs), Universal Vault (UV), and Protocol-Oriented Chain Abstraction (POCA). These modules are highly composable and can operate independently.