> For the complete documentation index, see [llms.txt](https://docs.usd.ai/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.usd.ai/app-guide/borrower/borrow.md). # Borrow {% hint style="success" %} Borrowing via USD.AI is not publicly available. Reach out to the USD.AI team through the following if you would like to inquire or get more information. * [Intake Form](https://www.gpuloans.com/contact) * Email us at {% endhint %} ## Borrowing This page appears once you click **View Borrow** from the dashboard page, allowing you to complete the initial borrow transaction. To access your funds, you must approve the loan terms, execute the borrow, and withdraw the available amount to your own wallet.
1. Review the Loan details and loan account at the top {% hint style="info" %} **Loan and Payment Method** * Collateral Name - The asset bundle securing the loan * Loan Account - The on-chain wallet address for this loan * Reserve Acct - DSRA that holds cash amount as a repayment buffer. * PYUSD Balances - Your current PYUSD balance held in Ethereum. * Withdraw - Initiates fund withdrawal after the borrow is executed {% endhint %} 2. Review the Collateral Details {% hint style="info" %} **Collateral Details** * Loan NFT - A visual certificate representing the server bundle used as collateral * Included Hardware - Specific server models in the bundle * Description - Summary of the portfolio * Collateral Value - Current appraised value of the hardware {% endhint %} 3. Review the Borrow Terms {% hint style="info" %} **Borrow Terms** * Principal - Total amount borrowed for Loan * Origination Fee - One-time fee deducted at origination * Net Loan Proceeds - Principal minus origination fees and DSRA funding * Available for Withdrawal - Amount you can immediately withdraw to your own wallet * Initial Reserve Deposit - Amount held in the DSRA as a payment buffer * Maturity Date - Final repayment deadline * APR = Annual interest rate * Default Grace Period APR - Elevated APR charged during the grace period after a missed payment {% endhint %} 4. Review the Payment Terms {% hint style="info" %} **Payment Terms** * Payment Amount - The amount of principal and interest to be paid each period * Payment Frequency - How often principal and interest payments must be made * Default Grace Period - Days after a missed payment before default is triggered * Total Loan Repayment - Total repaid over the life of the loan * Exit Fee - Fee owed on early closure {% endhint %} 5. Complete all transactions to Borrow {% hint style="info" %} **Borrow** * Approve - Approve the loan terms. This authorizes the transaction to proceed. * Execute Borrow - Executes the borrow transaction, finalizing and activating the loan. * Withdraw Funds - Transfers the available funds from the Privy wallet to your own wallet. {% endhint %} --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://docs.usd.ai/app-guide/borrower/borrow.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.