> For the complete documentation index, see [llms.txt](https://arcus-labs.gitbook.io/arcus/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://arcus-labs.gitbook.io/arcus/lending.md).

# Lending

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

## **Simple User Guide**

1. Connect a UniSat wallet with a taproot Bitcoin address.
2. Ensure your Network is set to Bitcoin Testnet3
3. Deposit BTC or BRC-20 tokens into the Arcus multi-sig lending pool
4. Manage Assets - View your credit score, lending positions, interest earned, borrow limits, and more through our simple dashboard

## **Details - For Lenders**

### **Connecting your Wallet**

Lenders can connect their UniSat Bitcoin wallet with a taproot address to begin supplying assets and earning yield. Simply press Connect Wallet on the Arcus lending page to connect your UniSat wallet and access the app.

Get UniSat wallet from the official site.

<https://unisat.io/download>

<figure><img src="/files/gfpJDYhIAAxX9E3xXXZi" alt="" width="563"><figcaption></figcaption></figure>

### **Supplying Assets to the Lending Pool**

Deposit Bitcoin (BTC) or BRC-20 tokens like TSNT, xUSD or SATS into the available lending pools to start supplying liquidity.&#x20;

Pick the assets you wish to supply, enter the amount or select your inscriptions, approve the deposit, and your supply will begin earning variable yield based on lending demand.

<figure><img src="/files/oBua0I4Sqk9E015jyh5r" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/ReMIuKVUdE23VCzXEPbY" alt="" width="442"><figcaption></figcaption></figure>

### **Understanding Variable Yield**

The APY yield earned on supplied BTC and BRC-20 varies are based on **lending pool utilization** - i.e. the ratio between total borrowed amount and total available liquidity in a pool.&#x20;

Higher utilization signals higher demand from borrowers relative to available liquidity. In response, the protocol automatically increases yield rate incentives to attract more lenders. During periods of low lending demand when pools are highly oversupplied, yields decrease gradually to maintain sustainability.

<figure><img src="/files/pwelAQGbOLHlAZxvEVw8" alt=""><figcaption></figcaption></figure>