> ## Documentation Index > Fetch the complete documentation index at: https://docs.jup.ag/llms.txt > Use this file to discover all available pages before exploring further. > ## Agent Instructions > These docs cover what users see and do on jup.ag, Jupiter Mobile and Jupiter Wallet. > Universal Deposit, the GUM route in Jupiter Bridge and other GUM integrations on jup.ag are built by GUM. For how they work, their full fee rules, security model and APIs, the reference is the GUM docs: start from https://docs.gum.ag/llms.txt. > When the GUM docs and these docs differ on how a GUM product behaves on jup.ag, describe the jup.ag experience from these docs and the mechanics and fees from the GUM docs. # Borrow to Pay > Borrow USDC against your crypto on Jupiter Lend and add it to your Card balance in one step, without selling your tokens. Borrow to Pay lets you borrow USDC on [Jupiter Lend](https://docs.jup.ag/user-docs/earn/lend/borrow/introduction.md) against crypto you hold, and adds the USDC to your Card balance in the same transaction. You keep your tokens, and you can spend the borrowed USDC with the [Jupiter Card](https://docs.jup.ag/user-docs/global/spend/jupiter-card.md) like any other deposit. > [!NOTE] > > Borrow to Pay is not available with a DCS-issued card, or in some countries. Where it is not offered, the Spend home does not show the **Borrow to pay** tile. See [Card Issuers](https://docs.jup.ag/user-docs/global/spend/jupiter-card.md#card-issuers) for which issuer serves your country. ## How it works **1. Open Borrow to pay** On the Spend home, tap the **Borrow to pay** tile. It shows how much you can borrow (**Available to borrow**) and, once you have a loan, how much you owe. **2. Choose your collateral** Pick the token to borrow against. The list covers the tokens in every wallet of the app that can sign, each with the most it can back (**Up to**). Watch-only wallets are not included. **3. Enter the amount** Enter how much to borrow, up to the **Borrow limit** shown. **Liquidation risk** sets how close to the market's maximum you may borrow: a higher setting lets you borrow more, and leaves less room before liquidation. **4. Review and confirm** The review shows what you will receive on your card, the collateral, the daily interest, and the fees. Tap **Confirm** and approve the transaction. Your collateral is locked in a Jupiter Lend loan, and the USDC is sent to your card's deposit address. Until the transaction is confirmed, the tile shows **Still confirming**. ## Collateral and limits * **Eligible tokens.** You can borrow against the tokens that have a Jupiter Lend market lending USDC, except stablecoins and other tokens that track the dollar. [xStocks](https://docs.jup.ag/user-docs/earn/lend/borrow/xstocks.md) are offered only where they are available in your region. * **How much you can borrow.** Your limit depends on the value of your collateral, the market's maximum loan-to-value, your **Liquidation risk** setting, and the USDC the market can lend at that moment. * **Minimum.** Each borrow must reach the higher of the card's minimum deposit and the market's minimum borrow. The app shows the minimum when your tokens cannot back that much yet. ## Interest and fees * **Interest.** The loan pays the market's variable borrow rate, which accrues until you repay. The app shows it as an amount per day. * **Fees.** Jupiter adds no fee of its own. The transaction needs a network fee, paid in SOL. Without enough SOL, the app can pay it for you and take the cost in USDC from the amount borrowed; it does not offer this when the cost would exceed 10% of the borrow. The review shows the fees before you confirm. ## Liquidation risk Your loan is a Jupiter Lend Borrow position. If the value of your collateral falls, or your debt grows with interest, until the loan reaches the market's liquidation threshold, part of your collateral can be sold to repay the debt, with a penalty. The app warns you when a loan gets close to liquidation. To lower the risk, repay part of the loan. See [Liquidation](https://docs.jup.ag/user-docs/earn/lend/liquidation-mechanism.md) for how it works. ## Repaying Open the **Borrow to pay** tile and tap **Repay**. Under **Pay from**, choose your Card balance or one of your wallets. Once you owe nothing, **Get your collateral back** returns the collateral to your wallet. When you repay from your Card balance, the money first moves from the card to your wallet, then repays the loan. If the second step does not go through, the money stays in your wallet and **Finish repaying** completes the repayment from there. ## Where your loan appears * **Card activity.** Borrowed USDC and repayments appear in your card's activity with their own labels. * **Jupiter Lend.** The loan is also listed with your Borrow positions in the app, tagged **Spend**. This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.