# Borrow and Repay USDS

On Sable dApp, click "Open Trove" to begin. 

<figure><img src="https://3600550484-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2Fh24pYON0ua5D3B7XWxEo%2Fuploads%2FK9OnlqixJV35bugcrlFR%2Fimage.png?alt=media&#x26;token=9458d200-5b38-48af-ad2c-99cd50507520" alt=""><figcaption></figcaption></figure>

You will see this chart showing the trove details.'

<figure><img src="https://3600550484-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2Fh24pYON0ua5D3B7XWxEo%2Fuploads%2F9TvbPDgmBaLmhIbOhM10%2Fimage.png?alt=media&#x26;token=e0a5e4c3-6ef5-483d-b058-60084209686e" alt=""><figcaption></figcaption></figure>

Enter the depositing amount of BNB and the borrowing amount of USDS, then you’d be able to see the collateral ratio (collateral deposit : USDS borrowed) .&#x20;

*Remember the minimum debt amount is 100 USDS, and the collateral ratio must be greater than 110%, and a Borrowing Fee and Liquidation Reserve will be deducted directly from the borrowed USDS amount, meaning you’ll get 90 USDS in return for $100 worth of deposit. It's recommended that the collateral ratio should be greater than 150% for the safety of your loans.*

<figure><img src="https://3600550484-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2Fh24pYON0ua5D3B7XWxEo%2Fuploads%2F1T0KQENr99SW9tvqdHbz%2Fimage.png?alt=media&#x26;token=709e080b-e4a1-4b71-86ce-e8f65e580097" alt=""><figcaption></figcaption></figure>

Check if the amount works for you before clicking “Confirm”. Approve your transaction on your wallet.&#x20;

After the transaction is completed, you will be able to view your trove, along with all the numbers that indicate the health of your trove all in one place:

*Collateral: amount deposit*

*Debt: amount of USDS borrowed (in your wallet)*

*Collateral ratio: Collateral / Debt*

<figure><img src="https://3600550484-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2Fh24pYON0ua5D3B7XWxEo%2Fuploads%2FBDPjo8P3wpQ8NesBrxei%2Fimage.png?alt=media&#x26;token=4b83a5c2-0523-4774-86ac-bb176b088f0d" alt=""><figcaption></figcaption></figure>

You can adjust the amount of collateral and debt in your position at any time but mind that it would be a new transaction which will cost gas fee.

### Pay-off debt

If you wish to pay off your debt, make sure you have the sufficient amount of USDS in the same wallet to cover the debt. Go back to your trove and click "Close Trove".


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