Borrow

Borrow against your collateral

Borrow assets using your supplied collateral with competitive interest rates. Leverage your existing holdings to access liquidity without selling.

How It Works

Supply Collateral

First, supply assets like ETH or USDC to Aave as collateral for your loan.

Borrow Assets

Borrow up to a percentage of your collateral value based on the asset's loan-to-value (LTV) ratio.

Repay & Withdraw

Repay your loan plus interest to unlock your collateral. Health factor must remain above 1.0.

Loan-to-Value Ratios

ETH80% LTV

USDC85% LTV

WBTC75% LTV

Stablecoins85% LTV

Health Factor

Your health factor determines liquidation risk. Keep it above 1.0 to avoid liquidation:

[> 2.0]Safe - Low risk of liquidation

[1.5 - 2.0]Moderate - Monitor closely

[1.0 - 1.5]Warning - High risk

[< 1.0]Liquidation - Position at risk

API Usage

borrowing.ts

import { borrowFromAave, repayToAave } from '@/lib/aave'

// Borrow assets against collateral
const borrowTx = await borrowFromAave({
  asset: '0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48', // USDC
  amount: '500000000', // 500 USDC
  interestRateMode: 'STABLE', // or 'VARIABLE'
  chainId: 1,
  userAddress: userAddress,
})

// Repay borrowed assets
const repayTx = await repayToAave({
  asset: '0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48',
  amount: '500000000',
  rateMode: 'STABLE',
  chainId: 1,
  userAddress: userAddress,
})

// Check borrowing position
const position = await getAaveBorrowPosition({
  userAddress,
  chainId: 1,
})
console.log('Health Factor:', position.healthFactor)

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