> For the complete documentation index, see [llms.txt](https://tech-app.gitbook.io/par4/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://tech-app.gitbook.io/par4/overview/faq.md).

# 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