> For the complete documentation index, see [llms.txt](https://docs.bbbpump.fun/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.bbbpump.fun/product/lend.md).

# Lend

The staking rate and borrowing rate are dynamic.

After staking, you can borrow up to 70% of the staked amount.

For example, if you stake BBB worth 1,000 USD, you can borrow USDB worth 700 USD.\
\
Borrowing rates are dynamically adjusted based on utilization. For example, BBB is set as:\
Base Rate: 0%\
Slope 1: 12% (before kink)\
Slope 2: 300% (after kink)\
Kink Point: 45% utilization

Protocol fee set to 10%

Deposit rates also adjust dynamically based on borrowing rates. All of this is visualized clearly in the charts.

<figure><img src="/files/mBaY8Ce6hWcjnzKijyXY" alt=""><figcaption></figcaption></figure>

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