> For the complete documentation index, see [llms.txt](https://zumer-protocol.gitbook.io/docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://zumer-protocol.gitbook.io/docs/zumer-protocol/stakeholders.md).

# Stakeholders

**To summarize the roles of different potential participants in the Zumer Protocol:**

### **NFT owners**

* Get liquidity instantly
* Flexible borrowing terms
*  Insurance against liquidation

### **NFT buyers**

* Buy blue-chip NFTs at discounts
* Enjoy BNPL option to own NFTs

### **Liquidity Providers**

* Earn higher-than-market average passive income
* Mine Zumer tokens

### **NFT Market Makers/Liquidators**

* Earn arbitrage profit
* Accumulate blue-chip NFTs at discounts

### **NFT Project Teams/DAOs**

* Obtain leverage to support floor sweeping
* Earn passive income
* Act as an underwriter to facilitate the offer of decentralized credit loans to NFT buyers (such as GameFi scholars)

### **Zumer Token Holders**

* Govern the protocol
* Become the decentralized central bankers of the Metaverse