# As a Borrower

### How does it work?

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### Main Features

* **Flexible and competitive financing options**\
  Access a broad set of loan offers for your assets and select the offer that best aligns with your liquidity needs.
* **Pro-rata APR**\
  Loans accrue interest on a pro rata basis. Borrowers may repay the loan at any time and pay interest only for the time the loan was active.
* **Dynamic improvement of loan conditions**\
  Borrowers can actively optimize loan terms through refinancing by accepting offers that better suit their needs.
* **Multi-device access with institutional-grade UX**\
  Monitor and manage positions seamlessly across mobile, tablet, and desktop environments through a scalable and responsive interface.
* **Vault Collateral System (v2)**: Individualized, minimal proxy vaults for each borrower's collateral, improving security, compliance, and asset segregation.

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