FAQ

Is Ploutos custodial? No. Users keep full control of their wallets and can withdraw anytime subject to market liquidity and HF.

Why did my APY change? APYs float with utilization and market conditions.

What happens at liquidation? If HF < 1, a liquidator can repay part of your debt and seize collateral with a bonus. Keep a safety buffer and monitor HF.

Can I use all assets as collateral? Only those explicitly marked “Can be collateral ✓”. Some assets are supply-only for risk reasons.

Are there fees? No protocol withdrawal fees at launch. Interest is paid by borrowers; a share goes to the Reserve via the reserve factor.