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

# Why Use Borrow

Borrow by Sats Terminal provides a simple way to access stablecoins using bitcoin as collateral.

The platform aggregates supported lenders and returns the most competitive loan terms currently available, allowing users to choose a loan without manually comparing providers.

<figure><img src="https://980264793-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F2n9xdYEAahb0BZTVBsZi%2Fuploads%2FA5ESKAUkarQfQ8a5fnpp%2FSlide%2016_9%20-%208.png?alt=media&amp;token=00d3c375-820d-496f-a824-3cef9ac0bc6e" alt=""><figcaption></figcaption></figure>

### **Key Advantages**

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#### **Best Rates, Automatically**

Borrow reviews supported CeFi and DeFi lenders and shows the most competitive terms available at the time of your request.
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#### **No Middlemen, No KYC**

Users can sign up with an email address. Borrow operates without requiring personal identification.
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#### Automated Cross-Chain Steps

If lending providers operate on different chains, Borrow guides the user through the required steps.

Bridging and wrapping are handled in-flow where applicable.
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#### Speed & simplicity

From requesting a quote to receiving stablecoins, the process is designed to be simple and intuitive.
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#### Self-Custody

Users manage their assets through a Privy-backed wallet model, meaning collateral is never held in a conventional custodial account.
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### Technology and Integrations

* **Privy-powered wallets** secure millions of accounts and billions in transactions.
* Borrow works with established lending providers and infrastructure components used widely across the ecosystem.

  This includes Privy for secure wallet interaction and supported lenders such as Aave or Morpho.

***