> 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/collateral.md). # Collateral ### **What does collateral mean?** In short, collateral refers to any assets a borrower must provide as security for their USDH loan. Collateral ensures that a borrower will repay their loan. #### Collateral Explained: Collateral ratio (CR) is the dollar value of your deposited assets compared to the value of USDH you have borrowed. Another way to measure borrowing is loan-to-value (LTV). For example, a 125% CR is equal to a 80% LTV. These ratios can fluctuate as the value of your assets changes in the market, so we encourage you to stay up to date with your position. You can also increase your collateral ratio (lower your LTV), either by depositing more assets, or repaying parts of your USDH debt. Collateral ratio mirrors loan-to-value. If your CR increases, your LTV decreases, which means you are safer from liquidation. Hubble prefers to monitor LTV, mainly because it gives you a better idea of how much you have borrowed vs. how much you are allowed to borrow. ### **What tokens does Hubble accept as collateral?** Collateral can be provided in the DeFi Treasury with SOL, ETH, mSOL, stSOL, and daoSOL. Solend cTokens and Kamino kTokens can be deposited into separate vaults. The protocol will be onboarding various new assets going forward, provided they are deemed safe to onboard. --- # 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/collateral.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.