Fortress enables investors to lend and/or borrow cryptocurrencies, by pledging the platform an over-collateralized amount of cryptocurrency. Fortress does this by utilizing money markets, which are pools of assets with algorithmically derived interest rates, based on the supply and demand of each asset.

Users who choose to supply liquidity to Fortress earn compounded interest as rewards for supplying their assets to the protocol. When supplying assets, users are also given the ability to mint stable-coins, or borrow other assets against their supplied assets. Once a user has supplied assets to Fortress, the user can then borrow assets or mint stable-coins, by over-collateralizing and paying interest on the amount borrowed.