# Lending ## **Borrowing risk** COINONE's loan is not a credit loan, so you need to deposit certain assets before you can borrow. You can deposit different assets to earn interest, or you can loan any type of assets in the pool to meet your financial needs and get block rewards. Of course, the price of \[Staked Assets] or \[Loaning Assets] will fluctuate. In order to avoid debts and bad debts, the system will lock the staked assets and sell them at a discount. ## Borrowing interest rate and calculation formula APY calculation formula for deposit and loan mining: Deposit mining APY = current market deposit per block output CONE\*CONE price / market total deposit value \*10512000 Loan mining APY = current market borrowing per block output CONE\*CONE price / total market borrowing value \*10512000 (10512000 is the number of blocks produced per year in the BSC chain) Interest rate floating formula: When the borrowing rate is less than the turning point, the interest rate formula is: base interest rate + interest rate multiplier loan rate. When the loan rate is greater than the turning point, the interest rate formula is: base interest rate + interest rate multiplier turning point + (borrowing Out rate-inflection point) \* Magnified interest rate multiplier Deposit interest ((supplyRatePerBlock 28800 + 1)^364-1)\*100% Borrowing interest ((borrowRatePerBlock 28800 + 1)^364-1)\*100% --- # 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://coinone-1.gitbook.io/coinone/products/lending.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.