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Use XOXNO with a Stellar wallet to supply assets and borrow against collateral. Start by reviewing the market and the account’s risk settings.

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Before you start

You need a funded Stellar wallet with enough XLM for network fees and the asset you want to supply. Confirm the wallet network matches the lending app. Choose a spoke that supports the assets you need. Each lending account is permanently bound to its chosen spoke. Governance can change that spoke’s settings. Review the supply rate, asset caps, and withdrawal conditions before supplying.

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Make your first supply

  1. Open XOXNO.
  2. Connect your Stellar wallet.
  3. Choose a spoke for the new lending account.
  4. Select an eligible asset.
  5. Enter a positive amount.
  6. Review the amount, network, and selected spoke.
  7. Approve the transaction in your wallet.
  8. Wait for confirmation on Stellar.
  9. Check the new lending account and its credited balance.
Base lending interest is reflected in the supplied balance. The displayed annual percentage yield (APY) is variable; it does not promise a future return. See Supply for eligibility and limits.

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Check transaction status

Wallet approval allows the app to submit a transaction. Approval alone does not mean the transaction succeeded. Wait for confirmation before treating the balance change as complete. The displayed portfolio can update later than the confirmed transaction. If the result is unclear, keep the transaction hash and the network used for submission. Check that hash on the original network before trying again. A timeout or missing transaction record does not prove failure. If available history cannot resolve the result, keep the action unresolved and contact support with the hash. Do not approve a replacement while the original action could still succeed.

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Before borrowing

Read risk parameters to understand the borrowing limit, then health factor to understand liquidation risk. Borrowing less than the maximum leaves more room for price changes and interest accrual. Open Borrow, choose an eligible asset, and review the projected debt and health factor before confirming. Follow the borrowing guide for the conditions that apply.

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Manage the account

Check debt and health factor after borrowing and when prices move. Adding collateral or repaying debt can improve health factor. If a price or risk value is unavailable, do not treat the missing value as zero or assume the account is safe. Withdrawals remain subject to available liquidity and account limits.