> For the complete documentation index, see [llms.txt](https://docs.btcw.tech/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.btcw.tech/economic/borrow/borrow-policy.md).

# Borrow Policy

1. **Accepted Collateral:** 

BTCw\.tech exclusively accepts **BTC, ETH... or USDT** as collateral for borrowing **$BTCw** tokens. Users engaging in borrowing activities must ensure that their collateral comprises the accepted asset to proceed with loan initiation.

```
wBTC (ARB) 0x2f2a2543B76A4166549F7aaB2e75Bef0aefC5B0f
```

```
USDT(ARB):0xFd086bC7CD5C481DCC9C85ebE478A1C0b69FCbb9
```

2. **Collateralization Ratio:** 

Users acknowledge and agree to collateralize their **BTC, ETH... or USDT** assets at a collateralization ratio of **115%** during the borrowing process. This means that the value of the provided **BTC, ETH... or USDT** collateral must equal or exceed **115%** of the value of the borrowed **$BTCw** token. If the token price greatly exceeds the collateral, it can lead to liquidation.

3. **Interest Rate:** 

The interest rate for borrowing **$BTCw** tokens against **BTC, ETH... or USDT** collateral is set at **0%**. BTCw\.techdoes not impose any interest charges on borrowed amounts.

4. **Borrowing Limits:** 

Users are subject to borrowing limits determined by their collateral value and the prevailing collateralization ratio. It is the user's responsibility to stay informed about their borrowing limits and adjust their collateral accordingly.

5. **Liquidation:** 

In the event that the collateralization ratio falls much below the specified threshold, BTCw\.tech reserves the right to liquidate the collateral to cover the outstanding borrowed amount. Users will be notified of the impending liquidation, providing an opportunity to rectify the situation.

6. **Repayment:** 

Borrowed **$BTCw** tokens must be repaid within the agreed-upon timeframe. Users are responsible for monitoring their borrowing status and ensuring timely repayment to avoid potential liquidation or additional consequences.

7. **Amendments:**

BTCw\.techreserves the right to amend this Borrow Policy at any time. Changes will be effective upon posting on BTCw\.tech . Users are encouraged to review this policy regularly to stay informed about any updates.

8. **Risks and Responsibilities:**

Users engaging in borrowing activities acknowledge and accept the inherent risks associated with such transactions. It is the user's responsibility to carefully assess their financial situation and make informed decisions regarding borrowing against **BTC, ETH... or USDT** collateral.

9. **Contact Information:** 

If you have any questions or concerns about this **Borrow Policy**, please contact us at <hello@BTCw.tech>