# Unlocking More Value from Hard-to-Use Assets&#x20;

Paydax makes it easier for users to borrow more against assets that are usually difficult to&#x20;use as collateral, like LP tokens or less common staking tokens. It does this by offering&#x20;competitive fixed loan-to-value (LTV) ratios, for instance, 75% LTV for borrowing USDC&#x20;against blue-chip crypto collateral, and 80% LTV for borrowing blue-chip assets against&#x20;PDP collateral.

The more PDP tokens you stake (in later phases), the better your borrowing&#x20;conditions may become, including potential fee discounts. This system rewards active&#x20;participants and gives users more control over how much value they can unlock from their&#x20;holdings. By combining asset flexibility with user incentives, Paydax helps turn previously&#x20;idle or locked tokens into useful financial tools.
