> For the complete documentation index, see [llms.txt](https://mortonn.gitbook.io/whitepaper/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://mortonn.gitbook.io/whitepaper/2.mortonn/d.-decentralized-bond-protocol/collateral-factor.md).

# Collateral Factor

<figure><img src="/files/Vdxm8G2fnexJIPYSD06q" alt=""><figcaption></figcaption></figure>

The maximum amount a user can borrow is limited by the collateral factor of the Mor they provide. For example, if a user provides Mor worth 100 BNB, they can borrow up to 80 BNB worth of other assets at any given time. Each Mor on Mortonn may have a different collateral factor. The collateral factor for each asset is determined by the Mortonn evaluation machine.


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