> ## Documentation Index
> Fetch the complete documentation index at: https://docs.mystockline.xyz/llms.txt
> Use this file to discover all available pages before exploring further.

# Borrow

> Dollars against your stocks.

You borrow dollars against stocks you already hold.

How much you can take, what it costs, and the price that matters all sit on one card.

<Frame caption="Borrow: pick the stocks to put up, slide to choose cash out, review, one tap.">
  <img src="https://mintcdn.com/mystockline/T8zoJG9K_VZWCC6Y/assets/app/borrow-desktop.png?fit=max&auto=format&n=T8zoJG9K_VZWCC6Y&q=85&s=a5337f743244c4b44f297dd9cdf28bb1" alt="The Borrow screen in the app, with stocks to put up on the left, a cash out slider, rate today, and a review panel." width="2880" height="1800" data-path="assets/app/borrow-desktop.png" />
</Frame>

Dollars against your stocks. You need stocks first. Buy any US stock and you can borrow up to half its value the same minute. Have stocks in another wallet? Move them here.

Each stock adds a different amount. NVIDIA is [45%](/resources/parameters) of its value. SPY is [70%](/resources/parameters). Borrowing power is the sum across the stocks you put up.

Rate today is [6.81%](/concepts/interest-rates). That number is the borrow rate at build. It moves with how much of the pool is lent out. See [Interest rates](/concepts/interest-rates).

The line is the price on the card. If NVIDIA falls below [\$104.17](/concepts/liquidations) in the worked example, some of your NVIDIA is sold to cover the loan. Cushion is how far the live price sits above that line. In the same example the cushion is [43%](/concepts/liquidations).

One step. Your stocks are put up, the dollars arrive, and the loan opens, all at once.

<Steps>
  <Step title="Pick stocks to put up">
    Each row shows how much it adds to borrowing power. Logos, not tickers.
  </Step>

  <Step title="Slide the amount">
    Three numbers live: cash out, rate today, and per stock the price line.
  </Step>

  <Step title="Review">
    If NVIDIA falls below \$104.17, some of your NVIDIA is sold to cover the loan. Repay or add stock any time to move that line.
  </Step>

  <Step title="One tap">
    Deposit, borrow, and settlement in one transaction. Dollars land in Cash.
  </Step>
</Steps>

When the market is closed the slider is disabled. Borrowing opens Monday at 09:30. You can still repay or add stock. Prices are paused at Friday's close. Never a modal.

<AccordionGroup>
  <Accordion title="I cannot move the slider">
    Borrowing opens with the market clock. You can still repay or add stock. Prices are paused at Friday's close.
  </Accordion>

  <Accordion title="The line looks too close">
    Repay or add stock any time to move that line. Auto-protect can repay from Cash if cushion drops under 10%. Off by default.
  </Accordion>

  <Accordion title="Borrowing is closed on this stock">
    Each book starts with borrowing off. Mainnet opens index and mega-cap books first. See [Books and tiers](/concepts/books-and-tiers).
  </Accordion>
</AccordionGroup>