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XOXNO lets you deposit assets that may accrue variable interest and borrow against your collateral. You use XOXNO with your Stellar wallet. No separate receipt tokens: your position lives in one lending account. This is not financial advice; using the protocol involves risk of loss.

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Before you start

You need a funded Stellar wallet with enough XLM for network fees. Open XOXNO and connect the wallet you want to use.

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Supply collateral

  1. Choose an asset to supply, such as USDC or XLM.
  2. Enter an amount and confirm the transaction in your wallet.
Your supplied balance may start accruing interest right away. The lending app shows a supply APY and updated balance as interest accrues. Displayed APY is variable and not a promise of future returns.

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Borrow against your collateral

  1. With collateral supplied, open Borrow for the asset you want.
  2. Enter an amount within your borrowing limit.
  3. Confirm in your wallet.
Borrowed tokens go to your wallet. You pay borrow APY on the outstanding debt. Your health factor updates after each action. Keep it above 1 to reduce liquidation risk (not eliminate it).

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Stay healthy

Watch your health factor on the lending app. If collateral prices fall or debt grows, add more collateral, repay debt, or borrow less. See health factor and risk parameters for how limits work.