> ## Documentation Index
> Fetch the complete documentation index at: https://rootsfi.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Getting started

## Borrow Stablecoins Against Your Crypto

Roots is a collateralized borrowing protocol that lets you mint MEAD stablecoins using your crypto assets.

<AccordionGroup>
  <Accordion title="Key Mechanics & Fees">
    * **Collateral Requirement:** See the Parameters Table below for exact MCR per asset.
      * *Example:* To borrow 100 MEAD, you might deposit 110 worth of approved assets (e.g., USDC.e-HONEY LP at 110% MCR).
    * **Borrowing Fee:** Variable (\~0.5%-5%, one-time, paid in MEAD)
    * **Repayment Fee:** 0% (Free)
    * **Redemption Fee:** Variable (\~0.5%-5%, paid in MEAD, applies only when redeeming collateral directly)
    * **Protocol Fee:** 12.5% of earned BGT (deducted automatically)
  </Accordion>

  <Accordion title="Why Borrow with Roots?">
    * Access liquidity without selling crypto holdings.
    * Maintain exposure to potential price appreciation of collateral.
    * Utilize borrowed MEAD across Berachain's DeFi applications.
  </Accordion>
</AccordionGroup>

## Parameters Table

Supported Assets & Minimum Collateralization Ratios (MCR):

| Supported Asset   | Minimum Collateral Ratio (MCR) |
| ----------------- | ------------------------------ |
| WBERA - HONEY LP  | 150%                           |
| WETH - wBERA LP   | 150%                           |
| WBTC - wBERA LP   | 150%                           |
| BYUSD - HONEY LP  | 110%                           |
| USDC.e - HONEY LP | 110%                           |

### Reward Streams

<CardGroup cols={2}>
  <Card title="BGT (Governance Token)" icon="star">
    Earned proportionally to collateral value. Managed automatically by Roots.
  </Card>

  <Card title="Pool Fees (on BEX)" icon="database">
    Maintained directly via your LP position on BEX.
  </Card>
</CardGroup>

## Stability Pool: Earn Liquidated Collateral

Stake MEAD to help secure the protocol and earn rewards from liquidations.

### How It Works

<Steps>
  <Step title="Deposit MEAD">
    Stake your MEAD tokens into the Stability Pool via the Roots interface.
  </Step>

  <Step title="Loans Liquidated">
    When undercollateralized loans are liquidated, the Stability Pool's MEAD is used algorithmically to repay the debt.
  </Step>

  <Step title="Receive Collateral">
    In return for your MEAD covering the debt, you receive the liquidated collateral at a potential discount.
  </Step>
</Steps>

## Manage Your Positions

Roots provides tools to monitor and optimize your borrowing positions.

### Essential Checks

<Warning>
  Always keep your CR above the Minimum Collateral Ratio (MCR) for your specific asset to avoid liquidation. If your CR falls below the MCR, your position is eligible for liquidation by anyone.
</Warning>

<Tip>
  Use the dashboard's alert system or integrate with third-party monitoring tools to stay informed about your position's health.
</Tip>

<Info title="Reward Tracking">
  View accumulated native BGT rewards in real-time on the Roots dashboard.
</Info>