# Liquid banking

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**Hyperliquid** pioneered a performant, fully on-chain central limit order book (CLOB) for **spot and perpetuals trading**, closing the gap with CEXs on depth, latency, and user adoption. What it didn’t natively offer was a way to **spend trading proceeds**, **hold yield-bearing balances**, or **off-ramp** directly from the trading environment.

Liquid Banking is custom built to solve exactly that, exclusively on Hyperliquid.

A **modular, permissionless, fully on-chain financial stack** powered by performant smart-contract modules that compose like building blocks to enable finance on-chain. Retain ownership, flexibility and speed as you experience **accounts, payments, credit, savings, trading, and on/off ramps** without middlemen.

Ownership, modularity and performance that makes “banking on-chain” possible, we call it **Liquid Banking.**