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Supply

Users can deposit tokens in a silo to earn interest from borrowers.

Supplying

Supplied tokens can be borrowed out by other users who have supplied collateral into the same silo. Since each silo has two tokens only, suppliers know their exact counterparty risk when making a deposit.

Deposits are represented by ERC-20 receipt tokens that increase in value due to auto-compounded interest.

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Users may deposit tokens as non-borrowable collateral that other users cannot borrow. Non-borrowable deposits don't earn interest.

Withdrawing

Suppliers may withdraw their deposit, including accrued interest, at any time. The exception is when:

  1. Liquidity is fully utilized (interest rate is likely increasing rapidly to encourage repayments and attract deposits).
  2. User's borrowing power is at 100%.

The user's ERC-20 receipt token is burned upon withdrawal in exchange for the underlying.