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How to open a self-repaying loan on 40 Acres.

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Opening a Loan

Borrowing on 40 Acres requires a single one-time setup:
  1. Connect wallet and navigate to the Borrow dashboard
  2. Select your asset from the list of eligible collateral
  3. Choose your borrow amount: up to your maximum credit line
  4. Confirm the transaction: USDC arrives in your wallet instantly
An origination fee is charged at the time the credit line is opened. This is the only upfront cost.

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During Your Loan

Once a loan is open, 40 Acres handles everything:
  • Your collateral votes each epoch via the vote optimizer
  • Rewards are claimed automatically at epoch flip
  • X of your rewards are applied toward your loan balance
  • You can check your remaining debt and projected repayment timeline at any time on the dashboard

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Manual Voting

You can override the vote optimizer and vote manually if you choose. Your votes must be placed on pools that 40 Acres supports. Manual voting does not affect repayment — rewards still flow to the protocol for processing.

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Repaying Early

You can repay any portion of your loan at any time at zero additional cost. Early repayment directly reduces your balance and shortens your timeline to collateral recovery. Navigate to the Borrow dashboard → select your position → enter the repayment amount → confirm.

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Topping Up

Once a loan is open, you can increase your borrowing capacity by adding more collateral to your position — either by depositing additional collateral or, with Portfolio Accounts, by adding other supported revenue-generating assets. Navigate to your active position → Top Up → select additional collateral.

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Closing a Position

When your loan balance reaches zero, you will be able to withdraw it from the platform. If you want to close your position before full repayment, you can manually repay the remaining balance and withdraw your collateral immediately.