Borrow Against Collateral

Borrow against your collateral with competitive rates across multiple chains.

Borrow requires a Torque Wallet

Borrow is only available with a Torque Wallet (smart account). If you connected an external wallet (EOA), create a Torque Wallet to borrow. Why Torque Wallet? · Create one (Quickstart)

To create a Torque Wallet: disconnect your current wallet, then choose Continue with Email & complete the email OTP flow.

Supply Collateral

Supply ETH or USDC as collateral for your loan.

Borrow Assets

Borrow against collateral up to your LTV limit.

Repay & Withdraw

Repay to unlock collateral; keep health 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 { borrow, repay, getBorrowPosition } from '@/lib/torque'

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

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

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

Was this helpful?

← Lend Stake →