Borrow
Borrow AssetsV2
Borrow assets against your collateral. Interest accrues in real-time on your outstanding debt.[NOTE] V2 includes repay fees (typically 0.1-0.5%) and flash loan protection

Cross-Asset BorrowingCore Feature

You don't need to borrow the same asset you deposited! Your total collateral value lets you borrow any available asset.

✓ Common Strategy
Deposit WRETRO (keep price exposure) → Borrow USDC (get stable liquidity)
✓ Leverage Example
Deposit WRETRO → Borrow USDC → Buy more WRETRO
How it works: Your collateral is valued in USD. You can borrow any asset as long as the total borrowed value (in USD) stays within your collateral limit. For example: $1000 WRETRO collateral → borrow up to ~$500-700 in USDC, WRETRO, or any mix!
Total Borrowed
$0.00
Across all markets
Available to Borrow
$0.00
Any asset combination
Average Borrow APY
0%
Weighted average
About Repay Fees & Flash Loan Protection (V2)

Repay Fees: Small fees (typically 0.10%) apply when repaying borrowed assets.

  • Fees support protocol sustainability and cat rescue (50/50 split)
  • Example: Repay 100 tokens with 0.10% fee = you pay 100.10 tokens total
  • The fee is added to your repayment amount (you pay: debt + fee)

Flash Loan Protection: You cannot repay in the same block you borrowed. This prevents flash loan attacks.

V3/V4 Fee DistributionUPDATED

All repay fees are automatically distributed to support the ecosystem!

📊 V4 Fee Distribution (Every 100 tokens):
🐱 20%
Kitty Fund
→ USDC
💜 10%
VIBE
→ RETRO
💚 10%
vShare
→ RETRO
💼 60%
Protocol
→ USDC
✓ Auto-Conversion
Fees automatically swap via Uniswap V3. Kitty & Protocol get USDC, VIBE & vShare get native RETRO!
✓ Community Rewards
Your repay fees support cat rescue (20%), reward VIBE holders (10%), and vShare holders (10%)!
How it works: When you repay, the 0.10% fee is split automatically. Kitty (20%) and Protocol (60%) receive USDC. VIBE (10%) and vShare (10%) receive native RETRO. All conversions happen via Uniswap V3 when thresholds are met. No manual intervention needed! 🎁

Your Borrows

Asset
Borrowed
Owed (USD)
No borrows yet. Borrow against your collateral.

Available Markets to Borrow

No Markets Available on Retrochain

Current Network: Retrochain (Chain ID: 198080)

Contract Address: 0xB9091cf681c56BF330B59dF5430492c7Cc43d33E

What needs to happen?

Assets need to be listed in the PawLend contract by the admin before they can be traded.

For Admins:

  1. Connect with owner wallet
  2. Go to the Admin page
  3. Use "List Asset" function to add tokens
  4. Set appropriate parameters (collateral factor, rates, etc.)
View Debug Page

How Borrowing Works (V2)

Borrowing Process

  • 1.Supply collateral first (any asset)
  • 2.Borrow up to your collateral limit (any asset)
  • 3.Interest accrues automatically every block
  • 4.Repay anytime to reduce debt (+ small fee)
  • 5.Keep health factor above 1.0 to avoid liquidation

V2 Security Features

  • [YES]Flash loan protection (block-based checks)
  • [YES]Minimum borrow amount ($10 USD)
  • [YES]Maximum utilization caps (90%)
  • [YES]Health factor checks before borrowing
  • [YES]ReentrancyGuard on all borrow functions
[WARNING] Important Risk Disclaimers

Liquidation Risk: If your health factor drops below 1.0, your collateral can be liquidated to repay your debt. Liquidators receive a bonus (typically 5-10%), which comes from your collateral.

Interest Accrual: Borrow interest compounds continuously. The longer you wait to repay, the more interest accumulates. Watch your debt grow in real-time on the profile page.

Rate Changes: Borrow APY changes based on utilization. When many people borrow, rates increase. Monitor rates regularly.

Repay Fees: V2 includes small repay fees (typically 0.10%) that are added to your repayment. These fees support the protocol and cat rescue efforts.

[ACTION REQUIRED] Always maintain a health factor above 1.5 for safety. Check your profile regularly and monitor the real-time debt counter!