# 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.


---

# 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.optimex.com/optimex-revolutionizing-bitcoin-finance/optimex-borrow/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.