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How does Collateral and Borrowing work?

Updated this week

In Borrow Mode, your borrowing power depends on the value of the assets in your Safe:

  • Different assets may have different LTV values

  • The system ensures you maintain a healthy collateral ratio

  • If collateral values drop significantly, you may need to add more funds or repay some debt

Understanding Liquidation Risk

  • What is liquidation?

    • If your borrowing exceeds your maximum allowed amount (due to collateral value decreases or other factors), the system may liquidate some of your assets to maintain the health of your account.

  • How to avoid liquidation:

    • Monitor your borrowing power and total borrowings

    • Keep a healthy margin between what you've borrowed and your maximum borrowing limit

    • Add additional collateral or repay some debt if your position approaches risky levels

    • Ensure you maintain sufficient collateral value for any borrowed funds

  • What happens during liquidation:

    • The Debt Manager controls the liquidation process

    • Specific tokens from your Safe are transferred to the liquidator

    • 50% of your total collateral is liquidated first, if the position is still unhealthy, the rest of the assets are liquidated as well

  • After liquidation: Your Safe remains operational, and you can continue using the remaining assets either as collateral or for Direct Pay mode spending

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