> For the complete documentation index, see [llms.txt](https://docs.vetro.org/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.vetro.org/using-the-app/borrow.md).

# Borrow

The Borrow tab lets you open a Collateralized Debt Position (CDP) by depositing supported crypto assets as collateral and borrowing VUSD against them. This lets you access dollar liquidity without selling your crypto.

## Supported Collateral (Live)

| Collateral | Borrow Asset | Status |
| ---------- | ------------ | ------ |
| hemiBTC    | VUSD         | ✅ Live |
| WETH       | VUSD         | ✅ Live |

## Key Concepts

| Term                  | What it means                                                                          |
| --------------------- | -------------------------------------------------------------------------------------- |
| **Collateral**        | The crypto asset you deposit to back your loan                                         |
| **Loan Size**         | The amount of VUSD you can borrow, determined by your LTV ratio                        |
| **Health Factor**     | Ratio of your collateral value to your debt — must stay above 1.0 to avoid liquidation |
| **Liquidation Price** | The collateral price at which your position becomes liquidatable                       |

## How to Borrow

1. Open [beta.vetro.org](https://beta.vetro.org) and connect your wallet
2. Click the **Borrow** tab in the top navigation
3. Select a borrow market (e.g. hemiBTC / VUSD or WETH / VUSD)
4. Click **Supply Collateral** and enter the amount to deposit
5. Approve the collateral deposit transaction in your wallet
6. Enter the amount of VUSD you want to borrow
7. Click **Borrow** and approve the transaction
8. VUSD will appear in your wallet

> Keep an eye on your **Health Factor**. If it approaches 1.0, your position is at risk of liquidation. Add more collateral or repay debt to stay safe.

## How to Repay

1. In the Borrow tab, find your open position under **Your Borrow Positions**
2. Click **Repay**
3. Enter the amount of VUSD to repay
4. Approve the transaction — VUSD is burned and your collateral ratio improves
5. To fully close: repay all outstanding debt, then click **Withdraw Collateral**

## Liquidation

If your health factor falls below 1.0, any address can liquidate your position:

* The liquidator repays your VUSD debt
* They receive your collateral plus a liquidation bonus
* The repaid VUSD is burned

To avoid liquidation: add more collateral or repay part of your debt before the health factor reaches 1.0.

## Want to Add Collateral?

If you represent a project and want to discuss adding a new collateral asset: [Speak to the team →](https://vetro.org/speak-to-the-team)


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