> For the complete documentation index, see [llms.txt](https://docs.zirodelta.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.zirodelta.com/use-cases/borrow-instead-of-sell.md).

# Borrow instead of sell

**For:** any app whose users hold assets.

## The problem

People who need cash often have to sell what they hold, and lose whatever that holding would have earned.

## How it works

1. The user locks part of what they hold as collateral.
2. The [Credit Engine](/modules/credit-engine.md) lends them cash against it.
3. They repay to unlock the collateral. Meanwhile, their holding keeps working.

## Modules used

Credit, Conversion.

## Things to know

* If the value of the collateral falls or a loan is not repaid on time, the collateral can be claimed under the loan's terms.
* Borrowing costs money. Rates will be published with the module.

## Status

In development. The first form, borrowing USDC against wzdUSD, is built and switched off.


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