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Short answers with links to the full guides. This FAQ is not financial advice. Using the protocol involves risk of loss.

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Getting started

A lending protocol on Stellar: supply assets that may accrue variable interest and borrow against collateral. Liquidity sits in one pool; your position lives on a lending account bound to a spoke. Start with the overview or getting started.
Connect your wallet on XOXNO, choose an asset such as USDC, and confirm the supply transaction. Interest may accrue on your account balance at a variable rate. There is no separate receipt token. See interest and revenue.
After supplying collateral, open Borrow on XOXNO, enter an amount within your limit, and confirm in your wallet. The protocol checks borrowing limit, health factor, and spoke settings before releasing tokens. See supply and accounts and risk.
Assets listed for your network on the shared pool (for example XLM and USDC). Each listing needs an oracle and spoke risk settings. See markets.

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Safety and risk

Positions are overcollateralized and checked on every risk-increasing action. Admin changes go through a timelock; emergency pause is available. These controls do not guarantee solvency, oracle correctness, or loss prevention. Formal verification (Certora) covers selected core invariants with defined scope and limitations — not the whole product surface. Read governance and the security model. Monitor your health factor; you can lose funds.
When your health factor drops below 1, a liquidator can repay part of your debt and take collateral at a bonus. Stay above 1 by repaying debt, adding collateral, or borrowing less. See health factor and liquidations.
No. Supply and borrow balances are tracked on your lending account, not as separate transferable tokens.The account itself is a transferable NFT, though. Whoever holds that token owns the position, so transferring it hands over collateral and debt together in one step. See accounts and risk.
No. All listed assets share one central pool. Risk is isolated with hubs (HubAssetKey) and per-spoke settings, not separate pool contracts. Compare with XOXNO vs Blend.
A spoke is the risk profile bound to your account: which assets count as collateral or debt, caps, LTV, and liquidation settings. You pick a spoke when the account is created. See spokes and accounts and risk.
It compares liquidation-weighted collateral to total debt. Above 1 is solvent under protocol rules. Below 1 is liquidatable. It is separate from the borrowing limit used when opening new debt. See health factor.

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Using the protocol

A single-asset loan that must be repaid in the same transaction, with a small fee. Used by strategies and integrations, not typical app lenders and borrowers. See strategies and flash loans.
Protocol changes are proposed, delayed by the timelock, then executed by designated role holders. Everyday lenders typically do not vote. Emergency pause happens immediately — but unpausing does not; it waits out the full timelock like any other change. See governance.
Reflector and RedStone for liquid markets, usually two sources whose midpoint becomes the price — if they disagree beyond tolerance, the protocol refuses to price the asset rather than picking one. Some RWA market listings use the XOXNO multi-signer oracle adapter as a single source (see feed ids in oracles). Listing a token does not imply issuer endorsement, regulatory status, or eligibility advice.

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Migration and integrations

Use the one-step migration flow: repay Blend debt, withdraw collateral, and open a corresponding XOXNO position in a single transaction, subject to health and borrowing checks. See Blend migration and XOXNO vs Blend.
XOXNO uses one shared pool and internal account balances. Blend uses isolated pools with receipt tokens per deployment. XOXNO also offers a built-in migration path from Blend. Feature comparison only — not a recommendation. See XOXNO vs Blend.
Start with the Soroban quickstart, then Reference (ABIs, events, errors).

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Next

Glossary

Health factor, spokes, timelock, and related terms.

Getting started

Supply and borrow in the app.

Overview

Hub and spoke model on one pool.

Health factor

How to read your number and stay solvent.