> For the complete documentation index, see [llms.txt](https://docs.godex.ai/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.godex.ai/getting-started/gobank/borrow.md).

# Borrow

<figure><img src="/files/5GDwQZ9JbkrgofeDH7wm" alt=""><figcaption></figcaption></figure>

Borrowing tokens from the Godex Protocol allows users to access liquidity by using their supplied tokens as collateral, unlocking capital without selling their assets. However, borrowers face liquidation risk if the value of their collateral falls below the required threshold. Interest rates are determined dynamically, influenced by protocol factors and governance decisions, and can change over time based on community input. Interest accrues based on the utilisation rate, which reflects the percentage of supplied liquidity that is borrowed. Higher utilisation rates lead to higher interest rates, adjusting with demand. Each reserve has specific parameters designed to incentivize both borrowers and suppliers.

To maintain a healthy ratio and avoid liquidation risk, borrowers should actively monitor their collateralization level, keeping their health factor in check, to ensure their borrowed positions remain overcollateralised even as market conditions change or interest accrues.


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