Given you’ve opted for the low-risk category as a lender, you can use your low-risk tokens as collateral in order to borrow, however, high-risk tokens can’t be used as collateral. Using your low-risk tokens as collateral, you may borrow a token at a quantity based on the collateralization ratio. For example, if the collateralization ratio for borrowing a token is 150%, then, given the lent and borrowed tokens are equal value, 1.5 low-risk tokens allow you to borrow 1 token. The tokens that are borrowed are yours, but you have to pay interest in the token you’re borrowing, depending on the borrow market’s APR. To get your collateral back, you must first repay the loan.