# Cross-chain lending guide
Now BiFi offers cross-lending service. That means you will be able to lend tokens on one chain and borrow from another using your collateral. In this guide we will see the example of supplying BFC in Bifrost Mainnet and borrowing USDC from BNB chain.
*(Note: For deposits and loans you will need BFC in Bifrost Mainnet to be able to pay the gas fees and use cross-chain services)*
1. Connect to your preferred wallet
2. Click on the asset that you want to use as a collateral.\
In this guide, we will be using BFC tokens as a collateral.
3. Select the mainnet that you want to supply tokens to.\
Ex: Bifrost Mainnet, Supply “X” amount of BFC.
4. Choose the amount of tokens that you want to supply and press “Supply”.
\
After pressing “supply” you will have to confirm the transaction in your wallet.
5. After confirming the transaction, you will see a message saying “Supply completed”.
\
6\. Click on the asset that you want to borrow.\
In this guide, we will be borrowing USDC on BNB chain.
7\. Select the mainnet that you want to borrow tokens from.
8\. Choose the amount of tokens that you want to borrow and press “Borrow”.
*(Note: You can always see the minimum & maximum amount allowed for borrowing. Please remember that the service fee will change depending on the mainnet that you select.)*
In the above screenshot, where 2 & 3 are indicated, the remaining borrow limit in USD amount and percentage of loan to maximum can be seen.
9\. After confirming the transaction, you will see a message saying “Borrow completed”.
#### Market overview
When checking the supply APY you might see a 0% for some tokens in our list. Currently, due to the lack of demand for some tokens, can cause a lack of loan liquidity. Once the borrow for those tokens increases, so will do the supply APY.
#### BiFi borrow and Margin Call limit ratios
You can consult this date in the next table:
| **Collaterals** | **Borrow Limit (LTV)** | **Margin Call Limit** |
| --------------- | ---------------------- | --------------------- |
| **BFC** | 25% | 92% |
| **ETH** | 75% | 95% |
| **USDC** | 80% | 95% |
| **BNB** | 70% | 95% |
| **MATIC** | 70% | 93% |
| **USDT** | 80% | 95% |
#### Glossary
Borrow limit: Also known as LTV, it refers to the amount ratio that the user can borrow against their collateral assets
Margin call limit: Refers to the predefined point at which a borrower's collateral value falls below a certain threshold, triggering a margin call and requiring the borrower to add more collateral or repay the loan to avoid the liquidation of their assets.
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