Borrow#

Sometimes your agents need capital before revenue settles, and you do not want to sell what you own. Hightop lets you borrow against the assets already in your account, including eligible Core Earn positions.

The key design idea is that borrowing is not a separate product silo. Your collateral, your debt, and the borrowed funds all stay inside the same Hightop account, managed through one debt surface.

This page covers the in-app borrowing workflow. For the deeper collateral, threshold, and debt mechanics underneath it, see Borrowing Under the Hood.

The wallet home surface shows the Debt pill and Borrow action beside the account's balances and Earn positions.

The Mental Model#

• Debt Summary is the control center for borrowing. It is where you monitor debt, start a new borrow, repay, and adjust collateral.
• You do not manage separate loans for separate assets. Hightop combines your posted collateral into one unified debt position.
• Your borrow rate, LTV, and safety thresholds are weighted across the collateral you choose.
• Core Earn positions can serve as productive collateral, so they can keep earning while they back debt.
• You repay from the same account. There is no fixed term and no separate payoff workflow outside the app.
• A borrow also asks where the new debt should land inside Hightop. Borrowing is not the same thing as withdrawing cash out of the app.

Open Borrow#

You can reach borrowing from the main Borrow button on the home screen or from the Debt pill in the home header. Both routes take you to Debt Summary, which is the main management surface once you have borrow power or debt. It shows:

• Outstanding Debt, split into Principal and Interest
• your current Borrow Rate
• a debt-health bar
• Total Collateral
• Max Debt
• Collateral Thresholds

From the same screen, you can Borrow, Repay, or open Adjust Collateral.

Debt Summary is the control center for monitoring debt, borrowing more, repaying, and adjusting collateral.

Understand Position Health#

Borrowing is not just about taking out debt. It is also about knowing where your position stands after the loan exists.

Both Debt Summary and Borrow Summary use the same debt-health bar. It marks:

• your current Debt
• Max Debt
• the Redemption point
• the Liquidation point

The bar is color-coded, green when healthy and shifting toward red as debt approaches the thresholds.

Below the bar, Debt Summary also translates those thresholds into concrete dollar amounts for the current market:

• Collateral Required
• Redemption Point
• Liquidation Point

If you want the full explanation, See All Terms opens a debt-terms sheet with:

• Borrow Rate
• Loan To Value (LTV)
• Redemption Threshold
• Liquidation Threshold
• Liquidation Fee
• Origination Fee

This sheet is one of the most important screens in the flow. It explains that interest compounds continuously and shows what your current collateral implies for borrow power. It also tells you what would have to happen for redemption or liquidation to begin at current prices.

Debt health and terms screens connect the current debt position to LTV, redemption, liquidation, and fee details.

Start a New Loan#

The borrow flow is a short wizard with three steps:

1. choose how much to borrow
2. choose the collateral mix that backs it
3. review the debt position and submit

Choose an Amount#

The first screen is Borrow. It shows Available to Borrow, Current Debt, and New Total Debt, then gives you a number pad with quick percentage pills for 25%, 50%, 75%, and 100%.

Available to Borrow is already constrained by your current debt position, your weighted collateral profile, and the protocol's current borrow interval limits. You are not typing into an unconstrained box and hoping the review screen fixes it later. The minimum borrow is $1.

Select Collateral#

After the amount step, Hightop asks what should back the new debt. This screen is called Select Collateral.

The selection is grouped into two buckets:

• Core Earn
• Basic Collateral

This is where Hightop's productive-collateral model becomes visible. Assets in Core Earn are not treated as separate from borrowing. They work as collateral, and the screen tells you they keep earning while you borrow.

Each row shows the selected collateral amount, the token amount underneath, and, when relevant, the current APY. It also shows asset-specific Borrow up to and Borrow Rate values. Tapping the info icon opens that asset's debt terms.

The screen defaults to using the full eligible amount of each collateral asset, not zero. You can slide assets down if you do not want to use all available borrowing power. At the top, the Borrow Rate info sheet shows the weighted debt terms for the exact mix you selected.

If you already have debt, you can either borrow more against the collateral already posted or add more collateral as part of the same flow. If you do not have debt yet, you need to contribute some collateral before continuing.

There is also a collateral-options sheet that lists all supported collateral types with their LTV and rate so you can compare them before choosing.

Select Collateral groups productive Core Earn assets and basic collateral, with comparison and terms sheets for the selected mix.

Review and Submit#

The final step is Borrow Summary.

This screen shows:

• New Debt
• Origination Fee
• New Collateral
• the projected debt position after the borrow
• the blended Borrow Rate
• Total Collateral
• Max Debt

The Origination Fee is a one-time charge on new borrows, calculated as a percentage of the borrowed amount. It is not recurring interest.

The other important decision happens here: you choose both the borrowed asset and where it lands.

The Borrow Asset dropdown can offer GREEN and, when swaps are available and at least one USDC destination still has room, USDC.

The Deposited In dropdown then shows compatible destinations and their current APYs. GREEN can be deposited into its Earn destination. USDC can be deposited into Core or Amplified when those vaults have capacity.

At the bottom, the app uses the same protected submit control as other money actions. When you confirm, Hightop submits the borrow together with any new collateral you selected for it.

Borrow Summary combines the new debt, origination fee, borrowed asset, deposit destination, and projected position health.

Repay Debt#

Repayment starts from Debt Summary through the Repay button.

The repay screen is deliberately simple:

1. choose the asset or eligible position you want to repay from
2. enter the amount
3. review the new debt total
4. swipe to repay

The source list is curated. You only see assets and positions the app can actually use to reduce the debt. The app gives you a context-aware max button:

• Pay max when your selected balance is smaller than the debt
• Pay full amount when you can close the position entirely

The right-hand side of the screen is a debt endpoint instead of another asset. It shows Current Debt, Repayment Amount, and New Total Debt. If the repayment brings debt to zero, the app explicitly says Debt position will close.

One thing to know: closing the debt does not automatically move collateral back to your wallet. You remove collateral separately once the position no longer needs it.

The repay screen also prevents obvious mistakes in real time. If you exceed the selected balance or the total debt, the source field shows the error immediately.

Payback shows the repayment source, debt endpoint, max action, and full-close state before submission.

Adjust Collateral#

Adjust Collateral lives under Debt Summary. It opens a sheet with two actions:

• Add Collateral
• Remove Collateral

Add Collateral#

Add Collateral is the straightforward path. You choose additional collateral to post against the existing debt position.

The screen shows Adding Collateral, New Total, the updated Borrow Rate, the Debt / Collateral Ratio, and your resulting Max Debt. Collateral is grouped the same way as in the borrow flow: Core Earn first, then Basic Collateral.

Unlike the initial borrow flow, this screen only asks about the new amount you want to add. It does not make you reconfigure the whole position from scratch.

If you do not have any collateral assets available to add, the app says that directly instead of showing a dead-end submit button.

Add Collateral shows the additional collateral amount, resulting ratio, borrow rate, and max debt before adjustment.

Remove Collateral#

Remove Collateral is stricter, because the app has to make sure your remaining position still supports the debt.

Only assets that are already posted as collateral appear here. The screen shows the amount you are removing, the remaining total collateral, the updated Borrow Rate, and the resulting Debt / Collateral Ratio.

The sliders work differently from the add flow. They are removal controls, and they stop at the minimum amount that must stay locked to keep the position valid. On the boundary, the UI can show the locked amount that cannot be taken out yet.

If changing the collateral mix affects your blended rate, the screen shows both the new Borrow Rate and the previous one. If there is nothing removable, the app tells you that directly.

Remove Collateral keeps the debt position valid by showing the locked minimum and updated borrowing terms.

What to Expect After You Submit#

Borrow, repay, add collateral, and remove collateral are all protected actions. If biometrics are enabled, the app authenticates you before it submits them. After submission, the app returns to the main app surface and shows a live transaction banner while the action executes.

The activity feed then records what happened with explicit borrowing labels:

• New Loan
• Debt Repayment
• Collateral Added
• Collateral Removed

When a borrow completes, your debt updates and the borrowed asset lands in the destination you selected on Borrow Summary. When a repayment completes, the debt total drops immediately in Debt Summary and on the home Debt pill. When collateral changes complete, the debt position and threshold surfaces recalculate from the new locked balance.

Where to Go Next#

• Earn for the Core Earn positions that can serve as productive collateral
• Borrowing Under the Hood for the unified-loan, redemption, and liquidation model underneath this UI
• Fund and Withdraw for moving money into Hightop before borrowing and back out afterward
• FAQ for practical questions about borrowing, collateral, and risk