# Borrowing {% hint style="info" %} Pulse users can become Borrowers, if they have any popular cryptocurrency included in ERC20. The conditions for borrowing is to pledge assets. {% endhint %} **To understand how this works, let's take an example.** The user is ready to become a Borrower and decides to make a deposit of 10,000$ in ETH, locking it for 90 days. The interest rate is 13% per annum (see the table of interest rates below). From the calculation, it turns out that the Borrower will receive 45% on collateralized assets. If the price of the token falls during the locking period, a situation may arise with the liquidation of the Borrower's assets. In this case, he is required to pay support. If this doesn’t happen, Pulse platform will pay Depositors its assets at the specified interest rate. > Table of interest rates for Borrower: | TIME | APY | LOCKING TIME | | -------- | --- | ------------ | | 30 days | 9% | 30 days | | 60 days | 11% | 60 days | | 90 days | 13% | 90 days | | 180 days | 16% | 180 days | | 360 days | 19% | 360 days | --- # 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://pulsedefiltd.gitbook.io/pulse-docs/borrowing.md?ask= ``` 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.