Users who want to borrow any of the supported digital assets from Multi-Chain Lend (MCL) must pledge collateral that will be locked on the protocol. These assets must be over collateralized and will enable borrowing up to 75% of that collateral value. These collateral ratios are determined by the protocol and are controlled through the Governance process, which is documented in this Litepaper. Borrow cryptocurrencies and stable-coins with no credit check and fast origination directly on Binance Smart Chain.