# Accessing Simple Borrowings

### Case1) Borrow $40 USDT against $100 TON

* parameter
  * Risk Factor : TON - 40%
  * MaxRiskRatio : 80%, MaxLeverage : 300%

| Asset               | Supply | Borrow | Net Asset | Risk Value |
| ------------------- | ------ | ------ | --------- | ---------- |
| TON (B = b1)        | $100   | -      | $100      | $40        |
| Native (b1)         | $100   | -      | -         | -          |
| USDT (C = c1)       | -      | $40    | -$40      | $0         |
| Native (c1)         | -      | $40    | -         | -          |
| Total Value (B + C) | $100   | $40    | $60       | $40        |

* Risk status
  * Risk ratio = total risk value / net asset = $40 / $60 = 66.7% ≤ MaxRiskRatio ⇒ OK
  * Leverage = total supply / net asset = $100 / $60 = 167% ≤ MaxLeverage ⇒ OK

#### case1-1) Borrow +$20 USDT

| Asset               | Supply | Borrow                                    | Net Asset | Risk Value |
| ------------------- | ------ | ----------------------------------------- | --------- | ---------- |
| TON (B = b1)        | $100   | -                                         | $100      | $40        |
| Native (b1)         | $100   | -                                         | -         | -          |
| USDT (C = c1)       | -      | $60                                       | -$60      | $0         |
| Native (c1)         | -      | $40 <mark style="color:blue;">+$20</mark> | -         | -          |
| Total Value (B + C) | $100   | $60                                       | $40       | $40        |

* Risk status
  * Risk ratio = $40 / $40 = <mark style="color:red;">100% > MaxRiskRatio → Fail</mark>
  * Leverage = $100 / $40 = 250% ≤ MaxLeverage

#### case1-2) Borrow +$20 TON

| Asset               | Supply | Borrow                                | Net Asset | Risk Value |
| ------------------- | ------ | ------------------------------------- | --------- | ---------- |
| TON (B = b1)        | $100   | $20                                   | $80       | $32        |
| Native (b1)         | $100   | <mark style="color:blue;">+$20</mark> | -         | -          |
| USDT (C = c1)       | -      | $40                                   | -$40      | $0         |
| Native (c1)         | -      | $40                                   | -         | -          |
| Total Value (B + C) | $100   | $60                                   | $40       | $32        |

* Risk status
  * Risk ratio = $32 / $40 = 80% ≤ MaxRiskRatio ⇒ OK
  * Leverage = $100 / $40 = 250% ≤ MaxLeverage ⇒ OK

### Case2) Borrow $60 TON against $100 tsTON

* parameter
  * Risk Factor : TON - 40%, USDT - 0%, <mark style="color:orange;">LST - 5%</mark>
  * MaxRiskRatio : 80%, MaxLeverage : 300%

| Asset                         | Supply   | Borrow  | Net Asset | Risk Value |
| ----------------------------- | -------- | ------- | --------- | ---------- |
| **DeFi position (A = a1+a2)** | -        | -       | -         | -          |
| DEX (a1)                      | -        | -       | -         | -          |
| Liquid Staking (a2)           | $100     | -       | $100      | $5         |
| **TON (B = b1 + b2)**         | **$100** | $60     | **$40**   | **$16**    |
| Native (b1)                   | -        | $60     | -         | -          |
| DeFi position (b2, from A)    | $100     | -       | -         | -          |
| **USDT (C = c1 + c2)**        | -        | -       |           | **$0**     |
| Native (c1)                   | -        | -       | -         | -          |
| DeFi position (c2, from A)    | -        | -       | -         | -          |
| **Total Value (B + C)**       | **$100** | **$60** | **$40**   | **$21**    |

* Risk status
  * Risk ratio = $21 / $40 = 52.5% ≤ MaxRiskRatio ⇒ OK
  * Leverage = $100 / $40 = 250% ≤ MaxLeverage ⇒ OK

#### case2-1) Borrow +$20 TON

| Asset                         | Supply   | Borrow  | Net Asset | Risk Value |
| ----------------------------- | -------- | ------- | --------- | ---------- |
| **DeFi position (A = a1+a2)** | -        | -       | -         | -          |
| DEX (a1)                      | -        | -       | -         | -          |
| Liquid Staking (a2)           | $100     | -       | $100      | $5         |
| **TON (B = b1 + b2)**         | **$100** | $80     | **$20**   | **$8**     |
| Native (b1)                   | -        | $60+$20 | -         | -          |
| DeFi position (b2, from A)    | $100     | -       | -         | -          |
| **USDT (C = c1 + c2)**        |          |         |           | **$0**     |
| Native (c1)                   |          |         | -         | -          |
| DeFi position (c2, from A)    |          |         | -         | -          |
| **Total Value (B + C)**       | **$100** | **$80** | **$20**   | **$13**    |

* Risk status
  * Risk ratio = $13 / $20 = 65% ≤ MaxRiskRatio ⇒ OK
  * Leverage = $100 / $20 = <mark style="color:red;">500% > MaxLeverage → Fail</mark>


---

# Agent Instructions: 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:

```
GET https://docs.affluent.org/factorial-legacy/account-risk/accessing-simple-borrowings.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
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.