How-to: Add collateral or borrow more against a loan

Once a loan is open, post more cirBTC to strengthen its health factor, or borrow more USDC for additional liquidity. Adding collateral lowers LTV while borrowing more raises it.

Prerequisites

Before you begin, ensure that you’ve:

Installed the App Kit SDK and an adapter
Originated a loan with the connected wallet

Add collateral

Call addCollateral with the loan’s loanId and the cirBTC amount to add. Adding collateral improves the loan’s health factor but does not change its debt.

TypeScript

const result = await kit.borrow.addCollateral({
  from: { adapter, chain: "Arc_Testnet" },
  loanId: "11111111-1111-4111-8111-111111111111",
  collateralAmount: "0.05",
});

if (result.status === "confirmed") {
  console.log("Collateral added:", result.collateralAdded.amount);
}

To see the resulting health factor before signing, see Preview Borrow operations.

Borrow more

Call borrow with the loan’s loanId (not a marketId) and the additional USDC amount. The SDK sizes any additional collateral needed to keep the loan healthy after the borrow and pulls it from the wallet’s cirBTC balance in the same batch.

TypeScript

const result = await kit.borrow.borrow({
  from: { adapter, chain: "Arc_Testnet" },
  loanId: "11111111-1111-4111-8111-111111111111",
  borrowAmount: "500.0",
});

To preview the borrow before signing, see Preview a borrow.

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How-to: Add collateral or borrow more against a loan

Prerequisites

Add collateral

Borrow more

​Prerequisites

​Add collateral

​Borrow more

Prerequisites

Add collateral

Borrow more