# Credit

You can lend and borrow crypto on Mass. You can also see projections directly on the Credit page, showing how much you should earn if your allocation and rates stay the same.

{% hint style="danger" %}
When your health ratio falls below 1, your lent assets can be liquidated and you may lose most or even all of what you’ve lent. In most cases, your lent assets will simply be sold, and a penalty fee will be applied.
{% endhint %}

<figure><img src="/files/ciZnj2OtsiwL3sQT3CDk" alt="" width="375"><figcaption></figcaption></figure>

When you lend, you earn interest.

When you borrow, you pay interest.

To borrow crypto, you must first supply (lend) it, and you can’t borrow more than what you’ve supplied.

Borrowing stablecoins can be a smart strategy: it lets you keep your positions while still accessing cash, whether to make a real-life purchase or to reinvest.

On Mass, here are all the operations available in the Credit account:

1. [Lend (and borrow): lend crypto and optionally borrow at the same time.](/general/credit/borrow.md)
2. [Borrow crypto: borrow against your supplied assets.](/general/credit/borrow.md)
3. [Switch collateral: switch from one lent asset to another in one click.](/general/credit/switch-collateral.md)
4. [Switch debt: switch from one borrowed asset to another in one click, without repaying first.](/general/credit/switch-debt.md)
5. [Repay: repay your debt.](/general/credit/repay.md)
6. [Withdraw: withdraw the crypto you’ve lent.](/general/credit/withdraw.md)


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