# Borrowing

## Arcus App -  [**https://app.arcusbtc.com/**](https://app.arcusbtc.com/)

## **Simple User Guide**

1. Connect UniSat Wallet, 
2. Switch to Bitcoin Testnet3 Network
3. Deposit BTC or BRC-20 collateral into the Arcus multi-sig lending pool
4. Borrow desired assets (BTC, BRC-20, stablecoins, etc)
5. Manage Assets - View your credit score, lending positions, interest earned, borrow limits, and more through our simple dashboard
6. Pay interest on borrowed amount over time while loan is active
7. Repay loan to retrieve your initial BTC or BRC20 collateral

## **Details - For Borrowers**

### **Collateral & LTVs**

To take out a loan on Arcus, you need to put up collateral in Bitcoin (BTC) or supported BRC-20 tokens equal or exceeding 150% of the loan value. This collateralization ratio protects lenders from default risk. You can withdraw collateral at anytime after repaying the loan. Check your credit score at all times when borrowing with higher collateral, securing lower stable interest rates.

<figure><img src="/files/wlbJmmRiQhzSqS8r58cY" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/7OznWMoTd2jt75TAx4LM" alt=""><figcaption></figcaption></figure>

### **Taking out a Loan**

Connect your wallet, select desired collateral asset & amount up to your available balance to deposit into a collateral pool. Next choose your loan asset type and enter requested loan amount. Confirm loan creation after reviewing the Transaction Overview.<br>

<figure><img src="/files/Uaxu2TlRJYRGj5hjjXR7" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/6xidrqWgZapRoTEQBxio" alt="" width="412"><figcaption></figcaption></figure>

### **Repaying a Loan**

**Loans can be repaid at any time** via Bitcoin or other means depending on loan type without early repayment fees. Partial repayments are also accepted. Repaying loans unlocks your deposited collateral minus fees while avoiding liquidations - so repay loans actively to withdraw collateral.

<figure><img src="/files/hewUiIMUrbRYJnUOBeN9" alt=""><figcaption></figcaption></figure>


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