Lend
Check Market Status before interacting. Supplying, borrowing, repaying, and withdrawing can be unavailable while a market is paused.
Lending Workflow
All procedures can be carried out from the Dashboard. Screens and labels may vary slightly between networks, but the underlying logic remains the same.
1. Supplying Assets
1
Navigate to Markets or Dashboard.
2
Click Deposit next to the asset you want to deposit.
3
Enter the amount.
• The projected APY and current utilisation are shown for reference.
4
Confirm the on-chain transaction in your wallet.
5
After the transaction is final, the asset appears in the Supplied list and starts earning interest immediately.
2. Borrowing
PrimeFi utilizes LayerZero messaging, allowing the asset you borrow to reside on a different network from your collateral.
Collateral
Only assets marked Collateral enabled can be used to borrow. Collateral factors (LTV, liquidation threshold) are shown in the asset tooltip.
Borrowable amount
Calculated from your collateral value, current debt, and per-asset LTV. The UI displays an estimated Health Factor (HF); maintain a buffer above 1 because prices and accrued interest can change before execution.
Rate mode
Variable only. Every live reserve on Base, HyperEVM, and XDC has stable-rate borrowing disabled. The variable rate changes with reserve utilisation and configuration; users cannot select or switch to a stable rate in these markets.
Cross-chain borrow delivery
Where enabled, select a destination network in the borrow dialog. PrimeFi uses LayerZero messaging and Stargate liquidity for the delivery leg. This removes a separate manual bridge step but does not remove bridge, messaging, liquidity, or execution risk.
3. Withdrawing or Unlocking Liquidity
Withdraw underlying
In Dashboard → Withdraw, choose the asset and amount, then confirm the transaction. The contract validates the latest position state and blocks a collateral withdrawal that would make the Health Factor invalid.
Use pTokens without withdrawing
Your supplied position is represented by pTokens (for example, pUSDC). They may be transferable or supported by other DeFi integrations, but transfer validation, collateral effects, and third-party risks apply. The interest-bearing claim follows the pToken holder.
Liquidity or market constraints
A withdrawal can fail if the reserve lacks available liquidity, is paused, or another on-chain validation fails. UI values are informational and can change before the transaction executes.
4. Monitoring & Maintenance
Health Factor display
Provides an estimate based on the UI's latest data. On-chain validation and oracle state at execution determine whether an action succeeds.
Variable-rate display
Shows the current variable borrow rate. Stable-rate selection and switching are disabled in live Base, HyperEVM, and XDC reserves.
Repay
Partial or full repayment reduces debt and generally raises HF. Setting the amount to Max requests repayment of the entire outstanding variable debt, subject to wallet balance, allowance, and transaction execution.
Notes
Cross-chain delays: Borrowing to another network finalizes after LayerZero confirmation; this typically takes seconds but may vary depending on the network load.
Liquidation buffer: Maintain HF well above 1 to account for price volatility and accrued interest, especially when using volatile collateral.
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