# 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.\
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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="https://2037506651-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F0A54mZaMF8PZ8r6mh4vp%2Fuploads%2F4FLZ0lTjTYaAuDLAvnfK%2Fimage.png?alt=media&#x26;token=ba046271-bc9a-431c-b37c-6e7acc45a18c" alt=""><figcaption></figcaption></figure>

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