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Creda Finance matches suppliers who earn interest with borrowers who post collateral. Rates adjust with supply and demand, and every loan is over‑collateralized to protect the system.

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Supplying

  • Deposit assets to earn variable interest (compounds automatically)
  • Enable as collateral if you plan to borrow
  • Withdraw anytime, subject to pool liquidity

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Borrowing

  • Borrow against enabled collateral within each asset’s LTV limits
  • Maintain a safe health factor to avoid liquidation
  • Interest on borrows accrues continuously
Key formulas: 
Max Borrow = Collateral Value × LTV
Health Factor = (Collateral Value × Liquidation Threshold) / Total Debt

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Rates In Brief

  • Utilization‑based: higher utilization → higher borrow and supply rates
  • Piecewise curves: gentle increases at low utilization; steep at high
  • Reserve factor: small portion of interest goes to the protocol
See Interest Rates for examples and deeper context.

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Practical Tips

  • Keep buffers: avoid borrowing to the maximum
  • Watch utilization when planning large withdrawals
  • Use EMode for correlated assets; use Isolation Mode for riskier collateral
Start small, learn the flow, then increase size as you get comfortable.