> ## 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.

# Supply and borrow on Stellar Lending

> Deposit collateral and borrow against it on XOXNO Stellar Lending at xoxno.com/defi/lending.

Supply assets as collateral, then borrow other tokens against that collateral. Your position lives in one lending account. There are no separate receipt tokens to track.

## Supply collateral

1. Open [XOXNO lending](https://xoxno.com/defi/lending) and connect your wallet.
2. Choose an asset to supply, such as USDC or XLM.
3. Enter an amount and confirm the transaction in your wallet.

Your balance starts earning supply interest right away. The lending app shows your APY and updated balance as interest accrues.

## Borrow against your collateral

1. With collateral supplied, open **Borrow** for the asset you want.
2. Enter an amount within your borrowing limit shown on the lending app.
3. Confirm in your wallet.

Borrowed tokens go directly to your wallet. You pay borrow interest on the outstanding debt. Your borrowing limit depends on collateral value and [risk parameters](/stellar-lending/risk-parameters) for each asset.

## Watch your health factor

After you borrow, check your [health factor](/stellar-lending/health-factor) on the lending app. Keep it above 1 with room to spare.

| Signal                | What it means                                                                             |
| --------------------- | ----------------------------------------------------------------------------------------- |
| Health factor above 1 | Your position is solvent. You can borrow and withdraw within limits.                      |
| Health factor below 1 | Your position can be liquidated. See [liquidations](/stellar-lending/liquidations).       |
| Borrow limit reached  | You hit the LTV cap even if health factor still looks fine. Add collateral or repay debt. |

Collateral prices, interest accrual, and new borrows all move your health factor. Check it after large market moves or when you increase debt.

## Tips for a safe position

* Start with a conservative borrow size. Leave a buffer above your maximum safe borrow.
* Prefer less volatile collateral if you plan to hold debt for a long time.
* Repay debt or add collateral when the lending app shows your health factor falling.

<Tip>
  **For developers:** Contract entrypoints, preconditions, and CLI examples are in the [supply and borrow developer guide](/stellar-lending/dev/supply-and-borrow).
</Tip>