# Lending and Borrowing

## Lending

Lenders can lend many different types of assets on CashCow to earn interest. This interest comes from organic borrowers as well as leveraged yield farmers who borrow assets to increase their farming positions.

## Lending risks

Lenders bear the minute risk of losing their assets in the event where liquidators do not liquidate in time. This has never happened in CashCow before.

## Lending APY

APY calculation formula for deposit and loan mining\
Deposit mining APY = CCF per block of current market deposit *\* CCF price / total market deposit value* \* 10512000 \
Loan mining APY = current market borrowing for each block of output CCF \* *CCF price / total market borrowing value \** 10512000 \
(10512000 is the annual number of blocks produced by the BSC chain)

Interest rate fluctuation formula\
Borrowing when the lending rate is less than the optimal utilization rate \
The interest rate formula is: base interest rate + interest rate \* lending rate \
When the lending rate is greater than the optimal utilization rate\
The interest rate formula is: base interest rate + interest rate multiplier *\** utilization rate  + (lending rate - utilization rate) \* increased interest rate

Interest calculation\
Deposit interest: ((supplyRatePerBlock *28800 + 1) ^ 364-1) \** 100% \
Borrowing interest: ((borrowRatePerBlock *28800 + 1) ^ 364-1) \** 100%

## Interest rate model

![](/files/-Mdp_NgQ5p_cNiAegczh)

## Lending tutorial

After connecting your wallet to CashCow, click on supply for the token of your choice. 

![](/files/-MafZWPTAYMaLlYfd5uK)

​Enter the amount you would like to deposit and click on supply. The first deposit will require an additional approval transaction.

![](/files/-MafbEiV6TTU2UDosGk0)

You can now see everything you have deposited under "My Supply"

![](/files/-MafbbdZI-gRZwJQfqhk)

## Withdrawing tutorial

To withdraw, simply go to "My Supply" and manage token you wish to withdraw

![](/files/-MafbwgbB-h_qeP1Zh6X)

​Click on "Withdraw" and enter the amount you would like to withdraw, and click on "Withdraw" at the bottom

![](/files/-MafcEeOOmsT3Cvn_GfM)

## Borrowing tutorial

To borrow, you must first collateralise a token you have supplied

![](/files/-Mafcpxh3FzQ4Z7PTvch)

![](/files/-Mafd00qxd7JQaruaMDE)

Then, go to the "Supply Market" and select the token you wish to borrow

![](/files/-MafdJXBy-nXiJUGjU99)

Enter the amount you wish to borrow, and click on "Borrow" at the bottom

![](/files/-MafdfAvucljURayq6_-)


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