> For the complete documentation index, see [llms.txt](https://docs.optimex.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.optimex.com/optimex-revolutionizing-bitcoin-finance/optimex-borrow/user-guide/borrow.md).

# Borrow

Once your wallet is connected, you can click on “Supply & Borrow” to initiate a Borrow request.

<figure><img src="/files/BaEUmkGnK5COX8bA1od8" alt=""><figcaption></figcaption></figure>

Specify your desired amount of BTC to be used as collateral. You can see how much USDC you can borrow as well as based on the following metrics:

* **Borrow Rate**: The borrow interest rate, calculated using a 6-hour average to reflect real market conditions more accurately.
* **Loan-to-Value (LTV)**: LTV shows your current borrowing ratio between the value of your collateral and the borrowed amount.
* **Health Factor Alert LTV**: The LTV threshold at which health factor alert process starts. In this process, borrowers are given a grace period of 8 hours to lower the position LTV (by repaying part of their debts). Once the grace period expires, the position will be liquidated if LTV remains higher than the threshold.
* **Liquidation LTV:** Liquidation LTV is the threshold level at which your loan is unsafe and thus liquidation will occur.
* **Health Factor**: Health factor shows how safe your borrow position is. It is a dynamic safety score calculated from your LTV. A health factor above **1.0** is considered safe, below **1.0** means your position is at risk of liquidation.<br>

  <figure><img src="/files/vQXXuBnsYwLVA1172AaQ" alt=""><figcaption><p>Based on the metrics, you can adjust your risk appetite and specify your desired USDC amount to borrow. </p></figcaption></figure>

Once confirmed, include your EVM address under the “Receiving Address” proceed by clicking on the Review button, which will bring you to a summary of your Borrow.


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