Borrow Against Collateral

Borrow against your collateral with competitive rates across multiple chains.

Borrow uses your Torque Wallet

Borrow is available with your Torque Wallet (smart account). Wallet & Chains · Create one (Quickstart)

Create a Torque Wallet by choosing Continue with Email and completing 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)

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