> For the complete documentation index, see [llms.txt](https://naviprotocol.gitbook.io/navi-protocol-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://naviprotocol.gitbook.io/navi-protocol-docs/user-guides/borrow.md).

# Borrow

One of NAVI’s key features is to allow users to collateralize capital and borrow assets so that they can utilize them in the broad Sui DeFi ecosystem. 

**Deposit collateral and borrow a different asset against it** — put your holdings to work across the Sui DeFi ecosystem without selling them.

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### :rocket: Two ways to borrow

Everything in Borrow runs in one of two modes. Switch anytime from the toggle at the top of the page.

<table data-header-hidden><thead><tr><th width="131"></th><th></th><th></th></tr></thead><tbody><tr><td></td><td><strong>By Market</strong></td><td><strong>By Pair</strong></td></tr><tr><td>What it is</td><td>Classic shared model — all markets, one combined margin</td><td>Isolated single-pair markets, independent margin</td></tr><tr><td>Position</td><td>Shared Health Factor across your assets</td><td>Each market is its own isolated position</td></tr><tr><td>LTV</td><td>Standard</td><td>Higher (blue-chip pairs)</td></tr><tr><td>Best for</td><td>Flexible, multi-asset borrowing</td><td>Bounded, institutional-grade exposure</td></tr></tbody></table>

**By Market** — supply several assets and borrow against your combined balance. The existing NAVI experience.

By Pair — each market is a single collateral → borrow pair, walled off from the rest. Built for institutions and anyone who wants contained, legible exposure at higher LTV.

Step-by-step differences are covered in How to Borrow.

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### Fees at a glance

* **Supplying collateral** — free (network gas only)
* **Borrowing** — a one-time **0.3% borrow fee**, taken from the borrowed amount (incentives can offset it)

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### In this section

* [**How to Supply**](https://app.gitbook.com/o/dcxQ7e5pivSbceCjCqQ8/s/YTRq6w3DGapKHxfqaA3Z/~/edit/~/changes/217/user-guides/borrow/how-to-supply) — post collateral first
* [**How to Borrow**](https://app.gitbook.com/o/dcxQ7e5pivSbceCjCqQ8/s/YTRq6w3DGapKHxfqaA3Z/~/edit/~/changes/217/user-guides/borrow/how-to-borrow) — borrow, repay, and Market vs Prime steps
* [**Create E-Mode Borrowing**](/navi-protocol-docs/user-guides/borrow/create-e-mode-borrowing.md) — higher LTV on correlated pairs