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Borrow without selling your collateral. Keep an eye on your health factor and give yourself a buffer for market moves.

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How To Borrow

1

Supply collateral

Deposit assets and enable them as collateral.
2

Pick asset & amount

Compare borrow APYs. Enter an amount that keeps HF safely above 1.0 (aim for 1.5+).
3

Confirm

Review new HF and costs, then approve the transaction.

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Rates And Risk

  • Borrow APY is variable and rises with utilization
  • Your health factor is: (Σ collateral × threshold) / total debt
  • If HF < 1.0, your position can be liquidated
Simple rule: size loans so routine volatility won’t push HF near 1.0.

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Isolation & EMode

  • Isolation: when using isolated collateral, you can only borrow whitelisted assets and within caps
  • EMode: for correlated assets, group parameters allow higher LTV but require single‑group collateral
Check the UI for the exact rules that apply to your position.

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Good Habits

  • Set alerts for HF levels (e.g., 1.6, 1.4, 1.2)
  • Keep repayment or collateral top‑up funds ready
  • Review rates and utilization; refinance or adjust when needed
See Understanding Health Factor and Interest Rates for more background.