# Borrow

The **Borrow Page** can be used to borrow tokens from Orchai. The protocol requires users to provide sORAI/scORAI as collateral before making a loan.

{% hint style="info" %}
Users can still earn sORAI rewards when using sORAI as collateral. To claim collateral sORAI reward, go to [My Page](/user-guide/my-page.md)
{% endhint %}

Borrows can be made until the loan's borrowing usage reaches the borrowing limit, calculated based on their prices, and deposit amount. Loans with a borrowing usage higher than the borrowing limit can be liquidated. Thus it is important for borrowers to closely maintain their borrowing usage as changes in collateral prices may occur.

The **Borrow** page displays:

* **Collateral Value:** Total value of all collaterals provided by the user.
* **Borrowed Value:** Total value of USDT borrowed by the user.
* **Available Borrow:** Total value of USDT that the user can borrow.
* **Borrowing Capacity:** Ratio value that signals the user loan position's liquidation riskiness. Calculated by dividing the user's borrowed value by their borrow limit.\
  (B*orrow Limit = Borrowed Value + Available Borrow*)
* **Borrow APR:** Borrow annual percentage rate (APR) on borrows from both Interest APR and Distribution APR.\
  (B*orrow APR = Distribution APR - Interest APR)*
  * **Interest APR:** Current APR of borrow interest.
  * **Distribution APR:** Current APR of ORCHAI distribution to borrowers.

When the Borrow APR is positive, ORCHAI rewards distributed to borrowers are greater than the interest to be paid for the loan

## **Providing collateral**

1\. Clicking **\[Provide]** to use sORAI/scORAI as collateral**.**

<figure><img src="/files/MImGxz69kHqP0JkkKRrI" alt=""><figcaption></figcaption></figure>

2\. Enter the amount of sORAI to provide. Click the **\[Provide]** button to confirm.

<figure><img src="/files/1TJEpvGDtuLMWSswDXbN" alt=""><figcaption></figcaption></figure>

## **Borrowing USDT**

1\. Click **\[Borrow]**.

<figure><img src="/files/kZteC1tPbvpJu8n0ROnA" alt=""><figcaption></figcaption></figure>

2\. Enter the amount of USDT to borrow. Click the **\[Borrow]** button to confirm.

<figure><img src="/files/Tmy7osQK3iC4G3qegD22" alt=""><figcaption></figcaption></figure>

3\. Borrow complete

<figure><img src="/files/r0EhmwHHEN8ZCettfHv9" alt=""><figcaption></figcaption></figure>

## **Repaying borrowed USDT**

1\. Click **\[Repay]**.

<figure><img src="/files/sxfb16ErkoS0kKiMICkm" alt=""><figcaption></figcaption></figure>

2\. Enter the amount of USDT to repay. Click the **\[Repay]** button to confirm.

<figure><img src="/files/DhI3VkbzYlnETWoUipoo" alt=""><figcaption></figcaption></figure>

## **Withdrawing sORAI collateral**

1\. Click **\[Withdraw]**.

<figure><img src="/files/HjBIj73H17Nb4ZN5bGjv" alt=""><figcaption></figcaption></figure>

2\. Enter the amount of collateral to withdraw. Click the **\[Withdraw]** button to confirm.

<figure><img src="/files/nc268LA8KsGGtXbElXnn" alt=""><figcaption></figcaption></figure>

## Participate in Liquidation

1\. Clicking **\[Participate in Liquidation]** to be a liquidator.

<figure><img src="/files/TUcTtdhcwnwTvBS4Wku2" alt=""><figcaption></figcaption></figure>


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# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://docs.orchai.io/user-guide/borrow.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.