> For the complete documentation index, see [llms.txt](https://docs.hubbleprotocol.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.hubbleprotocol.io/faq/borrowing/borrowing-fees.md). # Borrowing Fees ### **What fees are involved in using Hubble?** Hubble has a hybrid fee system, consisting of a one-time Minting Fee, and Stability Fees. Both fees are reflected in the USDH debt on a loan. ### **Minting Fees** All loans on Hubble are subject to a minting fee that varies by vault. This fee is added to a user's debt at the time of minting, and is not recurring. For example, if a user borrows 100 USDH against SOL, their debt will be 100.5 USDH, accounting for the 0.5% minting fee applied to the DeFi Treasury vault. > Note, if a user has an active loan, and borrows additional USDH on that loan, the 0.5% Minting Fee also applies to that borrowing action. ### Stability Fees Stability Fees are synonymous with Interest Rates, and are referred to as Stability Fees as these fees play a part in USDH peg stability. Like Interest Rates, if your loan is subject to a Stability Fee, your debt will increase over time. Stability Fees vary between vaults. Vaults that contain high-risk assets will typically have higher Stability Fees than vaults with low-risk assets. Stability Fees can be used to adjust USDH demand and supply, and can be adjusted at any time. Once governance is active, Stability Fee adjustments will be subject to governance votes. [*Jump to Stability Fee Section*](/faq/usdh-peg-stability/stability-fees.md) --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://docs.hubbleprotocol.io/faq/borrowing/borrowing-fees.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.