> For the complete documentation index, see [llms.txt](https://docs.avici.money/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.avici.money/getting-started/credit-line.md).

# Credit Line

Deposit SOL and borrow USDC or EURC against it - and unlike traditional loans, **Avici pays you to borrow**.

You earn yield on your deposited SOL the entire time your credit line is open. Rewards stream every \~400ms in real time.

## Opening a Credit Line

{% stepper %}
{% step %}

### Tap **Get Started** on the Credit Line card

{% endstep %}

{% step %}

### Enter how much SOL to deposit as collateral

{% endstep %}

{% step %}

### Tap **Continue**

{% endstep %}

{% step %}

### Choose your borrow currency (USDC or EURC) and enter an amount — up to 60% of your SOL value

{% endstep %}

{% step %}

### Tap **Open Credit Line**

{% endstep %}
{% endstepper %}

## Managing your Credit Line

Once open, tap **View** to see your live rewards, borrowed amount, and credit usage. Tap "Manage" for actions:

* **Increase Reserve** — add more SOL to borrow more
* **Borrow More** — draw from remaining credit
* **Repay** — pay back some or all of your loan
* **Close Credit Line** — repay and get your SOL back

## How Rewards Work

> 💡 Tap the **ⓘ** icon to learn how rewards are calculated. The rate goes up the more people borrow on the platform.