# FAQ :beginner: Which Blockchain Network do I use? * Binance Smart Chain Network :beginner: How fast is the process? * Instant :beginner: What do you need in order to interact with the app? * Metamask or other Web3 Wallets :beginner: Which collaterals are acceptable? * ETH, BNB, ADA :beginner: What can I borrow? * DAI, USDC, USDT :beginner: What are the interest rates? * Fixed 12% APR on loans and a slope lending APR based on borrowed liquidity :beginner: What are the fees and charges involved? * 0.39% transaction fee on stablecoin withdrawals for lenders and 0.39% transaction fee on loan initiations for borrowers :beginner: Will I get rebates if I repay early? * 15% Cashback on accrued interest regardless if you pay early :beginner: How much of the protocol's revenue is allocated for dividends? * 10% is allocated for users with active loans as a reward for patronizing the protocol --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://tech-app.gitbook.io/par4/overview/faq.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.