QuiverDocs / How it works
How it works
Three steps: supply collateral, mint qUSD against it, and repay to unlock your assets whenever you want.
The borrow flow
01 · Supply
Deposit collateral
A crypto major, stablecoin, or tokenized equity
→
02 · Mint
Draw qUSD
Up to the vault's LTV limit
→
03 · Keep
Repay anytime
Unlock collateral, keep the upside
Stability fee
Debt accrues against a transparent stability fee for as long as it is outstanding. The fee is paid in qUSD on repayment and flows to the protocol's Surplus Buffer.
Worked example
Supply 1 WETH at an oracle price of $3,500 into a market with a 75% LTV:
| Step | Result |
|---|---|
| Collateral value | $3,500 |
| Max mintable qUSD (75% LTV) | 2,625 qUSD |
| You mint | 2,000 qUSD |
| Health factor (82% liq. threshold) | 1.44 — healthy |
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Repay the 2,000 qUSD plus the accrued fee at any time and your 1 WETH is released in full. You never sold, so any appreciation is still yours.