# Borrow

In **Pixcross**, users can borrow stablecoins by using intellectual property (IP) assets—such as NFTs—as collateral. This process is designed to be transparent, flexible, and secure, enabling borrowers to unlock liquidity without selling their underlying assets.

To borrow using your IP-based NFT, follow the steps below:

#### 1. Prepare Your Collateral

Ensure that your **NFT** is eligible to be used as collateral. The asset must be supported by a lending pool on Pixcross and appropriately valued through an integrated oracle.

#### 2. Navigate to the "Borrow" Page

From the main navigation menu, access the **"Borrow"** page to browse available lending pools.

#### 3. Select a Matching Pool

Choose a pool that accepts your collateral type and supports the **stablecoin** you intend to borrow. Click on the selected pool to view its detailed terms, including LTV ratio, interest model, and oracle provider.

#### 4. Supply Your Collateral

On the pool detail page, click the **"Supply"** button to deposit your NFT as collateral.

#### 5. Approve the Transaction

Your connected wallet will prompt you to approve the transaction. Ensure that you have sufficient **gas fees** on the selected blockchain network (e.g., Ethereum Sepolia, Base Sepolia, Arbitrum Sepolia, or Avalanche Fuji).

#### 6. Confirm Collateral Supply

Once the transaction is confirmed on-chain, your NFT will be locked in the lending contract and registered as collateral within the system.

#### 7. Enter Borrow Amount

Input the amount of **stablecoins** you wish to borrow, up to the maximum allowed by the pool’s **Loan-to-Value (LTV)** ratio.

#### 8. Initiate the Borrowing Process

Click the **"Borrow"** button to proceed with the borrowing transaction.

#### 9. Approve Final Transaction

Your wallet will prompt you to approve the transaction again. Confirm it to finalize the borrowing process.

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Once the borrowing transaction is confirmed, the stablecoins will be transferred directly to your wallet. You are now free to use the borrowed funds, while your IP-backed collateral remains securely held within the Pixcross protocol until repayment or liquidation.
