# FAQs

### Frequently Asked Questions (FAQs)

#### 1. What is Pixcross?

Pixcross is a cross-chain decentralized finance (DeFi) platform that allows intellectual property (IP) owners to use NFTs as collateral to borrow stablecoins. This enables access to liquidity without the need to sell valuable digital assets.

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#### 2. How do I create a lending pool?

To create a lending pool, go to the **"Create Pool"** page. You will be able to set key parameters such as:

* Collateral type (NFT/IP)
* Loan currency
* Interest rate model (fixed or dynamic)
* Loan-to-Value (LTV)
* Liquidation Threshold (LTH)
* Oracle provider\
  You must also select the target blockchain network.

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#### 3. How do I borrow?

To borrow, navigate to the **"Borrow"** page:

1. Select a lending pool that supports your collateral.
2. Supply your NFT as collateral.
3. Enter the desired borrow amount (in stablecoins).
4. Confirm the transaction in your wallet.

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#### 4. How is the value of collateral determined?

Pixcross uses **oracles** to fetch real-time market prices for NFT collateral. This ensures fair, transparent valuation during borrowing and liquidation.

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#### 5. What happens if the value of my collateral drops?

If your collateral value falls to or below the **Liquidation Threshold (LTH)**, it will be subject to a **24-hour auction**. The NFT will be auctioned to recover the outstanding debt and any accrued interest.

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#### 6. Can any IP be used as collateral?

Yes—any intellectual property represented by a supported NFT standard (typically ERC-721) can be collateralized, assuming an appropriate pool exists and sufficient liquidity is available.

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#### 7. How do I lend?

You can lend by:

1. Navigating to the **"Earn"** page.
2. Selecting a **curator** who aligns with your risk preferences.
3. Depositing stablecoins to the selected curator, who allocates the funds to pools.

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#### 8. Can I withdraw my funds anytime?

Yes. Depositors can withdraw their funds at any time, provided there is sufficient liquidity in the pools managed by the curator.

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#### 9. What are curators, and what do they do?

**Curators** are users who manage the allocation of deposited stablecoins across multiple lending pools. Their objective is to **minimize risk** and **maximize yield**. In return, they earn **management fees** based on performance and assets under management (AUM).

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#### 10. Can a curator steal my funds?

No. Curators cannot access or withdraw depositor funds. They are only permitted to manage **allocation strategies** and receive a share of the protocol’s yield.

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#### 11. What happens if a curator allocates funds poorly?

Poor allocation results in lower yield and reduced AUM. Since curators earn based on performance, this incentivizes responsible and efficient fund management.

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#### 12. Can I become a curator?

Yes. Anyone can become a curator on Pixcross. Go to the **"Create Curator"** page, define your profile and asset strategy, and begin allocating funds across selected lending pools.

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#### 13. Can I participate in an auction?

Yes. Auctions occur when collateral is liquidated. To participate:

1. Visit the **"Auctions"** page.
2. Select an NFT/IP asset.
3. Place your bid according to the auction rules.
4. Confirm the transaction in your wallet.

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#### 14. Where can I find more help or support?

For assistance:

* Visit the **"Contact Us"** page.
* Join the **community forums** for support, discussion, and updates.
