Collateral and loan-to-value
Collateral is supplied value that backs an account’s debt. The loan-to-value (LTV) is the share of that value counted toward the borrowing limit. For example, USD 1,000 of collateral at 70% LTV contributes USD 700 of borrowing capacity. With several collateral assets, the protocol adds their individual LTV-weighted values. Debt must fit within that total, as well as the market’s liquidity and caps. Borrowing and withdrawals with debt refresh the current listed LTV for listed collateral. Each position then uses the lower of that LTV and its stored liquidation threshold. A reduction in LTV can reduce borrowing or withdrawal capacity on an existing account. A listing update does not immediately replace every stored liquidation threshold.Minimum collateral for borrowing
Borrowing and withdrawals that leave debt require a minimum amount of LTV-weighted collateral. Governance configures the floor; its default is USD 5. Check the active setting for the network you use. For example, USD 5 of collateral at 75% LTV contributes only USD 3.75 toward this floor. Price changes can take an existing account below the floor. Plain repayment does not require the account to meet it.Assets with fewer than three decimals
A collateral asset with zero, one, or two decimals must be the account’s only supplied market. It cannot be listed as borrowable. Borrowing and withdrawals that leave debt require at least two token base units of that collateral. This token minimum applies in addition to the USD collateral floor. Two base units mean 2 tokens at zero decimals, 0.2 tokens at one decimal, and 0.02 tokens at two decimals. Plain repayment does not require this minimum.Liquidation threshold
The liquidation threshold weights collateral for the health factor calculation. A listing must set its threshold above its LTV. Existing positions can retain a different stored threshold until a permitted refresh applies. For example, USD 1,000 of collateral with a 78% threshold contributes USD 780 to the health-factor calculation. The account becomes liquidatable when its total threshold-weighted collateral falls below the value of its debt. The liquidation bonus and fee determine how seized collateral is divided during liquidation. Their calculation belongs to the liquidation guide.Changes to collateral terms
Liquidation thresholds, bonuses, and fees are stored on each supply position. Adding supply or partially withdrawing can refresh that position’s stored terms. A full withdrawal removes the position rather than keeping new terms. Strategies refresh the positions they touch and use current listed LTV at their final risk check. With debt outstanding, a refresh that favors liquidators applies only if the account’s hypothetical health factor under the proposed threshold is at least 1.05. Otherwise, that position keeps its previous liquidation terms. Changes favoring liquidators include a lower threshold, a higher bonus, or a lower protocol liquidation fee. When the protocol is not paused, any authenticated caller can request an account-term refresh. An LTV-only refresh does not change liquidation terms or require a health-factor check. A full refresh also requires a final account health factor of at least 1.05. The account integration guide gives the exact refresh rules.Other limits
A zero supply or borrow cap blocks new exposure. Caps and available liquidity
can prevent an action even when the account passes its collateral checks.
Use live configuration to find active values.