On Maple Finance, lending pools mitigate risk by having Pool Cover made out of MPL-USDC Balance Pool Tokens (BPTs) added by stakers. The value of Pool Cover held provides a buffer for lending capital in the pool in the event that borrowers default. If a borrower defaults the Pool Cover will be liquidated to cover the default amount before any loss is incurred by lenders in the pool. As a reward for putting their capital at risk, stakers earn a percentage of the interest generated by the pool and MPL rewards.