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Vanna on Solana is a lending and margin protocol. Lenders supply USDC, USDT or SOL to pools. Traders borrow from those pools through one cross-margin account per wallet, and put the borrowed funds to work in whitelisted protocols: Jupiter and Titan swaps, Kamino lending, Phoenix perps, Perena’s USD* vaults, and Vanna’s delta-neutral basis vaults. Every position counts toward one health factor. The protocol is three programs: a core that only does accounting, an oracle that values every holding, and a validator that decides which external calls a margin account may make. These pages describe vanna-credit-layer and vanna-credit-backend as deployed on the hosted Surfpool mainnet fork behind test.vanna.finance (Solana in the chain switcher). They do not certify a public-mainnet launch.