> ## 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.

# User positions

> Supply, borrow, withdraw, repay, strategies, and liquidations on a spoke-bound account.

Manage what an account has supplied and borrowed on its spoke.

| Page                                                    | Goal                                          |
| ------------------------------------------------------- | --------------------------------------------- |
| [Accounts and risk](/docs/stellar-lending/accounts-and-risk) | Account id, spoke binding, delegates          |
| [Supply](/docs/stellar-lending/supply)                       | Deposit and earn; enable collateral           |
| [Borrow](/docs/stellar-lending/borrow)                       | Open debt against collateral                  |
| [Withdraw](/docs/stellar-lending/withdraw)                   | Remove supply (amount `0` closes)             |
| [Repay](/docs/stellar-lending/repay)                         | Reduce debt (permissionless)                  |
| [Strategies](/docs/stellar-lending/strategies)               | Leverage / swap / repay-with-collateral flows |
| [Health factor](/docs/stellar-lending/health-factor)         | Solvency check (WAD)                          |
| [Liquidations](/docs/stellar-lending/liquidations)           | Close unhealthy positions                     |

Positions store **scaled** balances. Token amount ≈ `scaled * index / RAY`.