# 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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```
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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.