> ## Documentation Index
> Fetch the complete documentation index at: https://xoxno.com/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Stellar lending FAQ

> Answers to common questions about XOXNO Stellar Lending: supply, borrow, risk, migration, and safety.

Short answers with links to the full guides.

## Getting started

<AccordionGroup>
  <Accordion title="What is XOXNO Stellar Lending?">
    A lending protocol on Stellar where you can supply assets to earn interest and borrow against collateral. All assets share one pool, and your position lives in a single lending account. Start with the [overview](/stellar-lending/overview) or [getting started](/stellar-lending/getting-started).
  </Accordion>

  <Accordion title="How do I supply USDC and earn interest?">
    Connect your wallet on [XOXNO lending](https://xoxno.com/defi/lending), choose an asset such as USDC, and confirm the supply transaction. Interest accrues automatically on your balance. There is no separate receipt token. See [interest and revenue](/stellar-lending/interest-and-revenue).
  </Accordion>

  <Accordion title="How do I borrow against my collateral?">
    After supplying collateral, open **Borrow** on [XOXNO lending](https://xoxno.com/defi/lending), enter an amount within your limit, and confirm in your wallet. The protocol checks your borrowing limit, health factor, and spoke settings before releasing tokens. See [supply and borrow](/stellar-lending/supply-and-borrow) and [accounts and risk](/stellar-lending/accounts-and-risk).
  </Accordion>

  <Accordion title="Which assets are supported?">
    Any asset the protocol has listed on the shared pool, usually Stellar-native tokens such as XLM and USDC. Each asset needs price feeds and risk settings before it goes live. See [markets](/stellar-lending/markets).
  </Accordion>
</AccordionGroup>

## Safety and risk

<AccordionGroup>
  <Accordion title="Is XOXNO Stellar Lending safe? Is it audited?">
    The protocol is pre-audit. Treat mainnet as early-stage: watch your health factor, respect launch caps, and only deposit what you can afford to lose. Read [governance](/stellar-lending/governance) for how changes are managed. Technical trust boundaries are in the [security model](/stellar-lending/dev/security-model) under **Developers** in the sidebar.
  </Accordion>

  <Accordion title="What happens if my position becomes unhealthy?">
    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](/stellar-lending/health-factor) and [liquidations](/stellar-lending/liquidations).
  </Accordion>

  <Accordion title="Does XOXNO issue receipt tokens or debt tokens?">
    No. Your supply and borrow balances are tracked on your lending account, not as separate tokens you can transfer. See [accounts and risk](/stellar-lending/accounts-and-risk).
  </Accordion>

  <Accordion title="Does XOXNO support isolated or siloed markets?">
    No. All assets share one pool and one cross-asset account model. Per-asset borrowing limits, caps, and spoke configuration handle risk instead of separate pools. Compare with [XOXNO vs Blend](/stellar-lending/xoxno-vs-blend).
  </Accordion>

  <Accordion title="What are spokes?">
    A category for correlated assets that can unlock higher borrowing limits when you opt in. Each category lists which assets you may use as collateral and which you may borrow. See [accounts and risk](/stellar-lending/accounts-and-risk).
  </Accordion>

  <Accordion title="How is health factor calculated?">
    It compares your collateral value (weighted for liquidation) to your total debt. Above 1 is safe. Below 1 is liquidatable. It is separate from the borrowing limit you see when opening new debt. See [health factor](/stellar-lending/health-factor).
  </Accordion>
</AccordionGroup>

## Using the protocol

<AccordionGroup>
  <Accordion title="How do flash loans work?">
    A single-asset loan that must be repaid in the same transaction, with a small fee. They are used by advanced strategies and integrations, not typical lenders and borrowers on the lending app. See [strategies](/stellar-lending/strategies) and the developer [flash loans](/stellar-lending/dev/flash-loans) guide.
  </Accordion>

  <Accordion title="How does governance work?">
    Protocol changes are proposed, delayed by roughly 48 hours on mainnet, then executed. Emergency pause can happen immediately. See [governance](/stellar-lending/governance).
  </Accordion>

  <Accordion title="What price sources does the protocol use?">
    Reflector and RedStone. The protocol checks prices are fresh and consistent before risky actions. See [oracles](/stellar-lending/oracles).
  </Accordion>
</AccordionGroup>

## Migration and integrations

<AccordionGroup>
  <Accordion title="How do I migrate from Blend?">
    Use the one-step migration flow: repay Blend debt, withdraw collateral, and open an equivalent XOXNO position in a single transaction. See [Blend migration](/stellar-lending/blend-migration) and [XOXNO vs Blend](/stellar-lending/xoxno-vs-blend).
  </Accordion>

  <Accordion title="How does XOXNO compare to 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. See [XOXNO vs Blend](/stellar-lending/xoxno-vs-blend).
  </Accordion>

  <Accordion title="Building an integration or bot?">
    Contract calls, ABIs, events, and CLI examples are in the [developer quickstart](/stellar-lending/dev/quickstart) under **Developers** in the sidebar.
  </Accordion>
</AccordionGroup>

## Next

<CardGroup cols={2}>
  <Card title="Glossary" icon="book" href="/stellar-lending/glossary">
    Health factor, spokes, timelock, and related terms.
  </Card>

  <Card title="Getting started" icon="rocket" href="/stellar-lending/getting-started">
    Supply collateral and borrow on [XOXNO lending](https://xoxno.com/defi/lending).
  </Card>

  <Card title="Overview" icon="coins" href="/stellar-lending/overview">
    What the protocol does and how it is structured.
  </Card>

  <Card title="Health factor" icon="heart-pulse" href="/stellar-lending/health-factor">
    How to read your number and stay safe.
  </Card>
</CardGroup>