# XAUm as Loan Collateral on Cefi and DeFi Lending Platforms

**Dear Matrixdock users,**<br>

Matrixdock Gold token **XAUm** is officially supported as collateral for loans on **CeFi (BIT) and DeFi (Curve Lend, Avalon Finance, and Kinza Finance)!** Users can lend their XAUm assets, borrow stablecoins seamlessly.

**CeFi:**

[BIT App](https://www.bit.com/) (formerly Matrixport App)

* Collateral form: XAUm
* Max Loan-to-value ratio (LTV): 80%
* Supported loan assets: USDT, USDC

\
**DeFi:**

[Curve Lend](https://lend.curve.fi/#/ethereum/markets/one-way-market-27/manage/loan)

* Supported chain: ETH
* Collateral form: XAUm ERC-20 token
* Price oracle: Chainlink XAU/USD&#x20;
* Max Loan-to-value ratio (LTV): 93%
* Supported loan assets: crvUSD

[Curve Lend](https://lend.curve.fi/#/ethereum/markets/one-way-market-27/manage/loan)

* Supported chain: ETH
* Collateral form: XAUm ERC-20 token
* Price oracle: Chainlink XAU/USD&#x20;
* Max Loan-to-value ratio (LTV): 93%
* Supported loan assets: crvUSD

[Avalon Finance](https://app.avalonfinance.xyz/?marketName=proto_bsc_xaum_innovation)

* Supported chain: BSC
* Collateral form: XAUm BEP-20 token
* Price oracle: Chainlink XAU/USD&#x20;
* Max Loan-to-value ratio (LTV): 70%
* Supported loan assets: USDC and USDT

[Kinza Finance](https://app.kinza.finance/#/details/XAUM)

* Supported chain: BSC
* Collateral form: XAUm BEP-20 token
* Price oracle: Chainlink XAU/USD&#x20;
* Max Loan-to-value ratio (LTV): 70%
* Supported loan assets: USDC and USDT

For FAQs, please refer [here](/matrixdock-docs/english/gold-token-xaum/xaum-use-cases/collateral-and-lending.md).

Matrixdock will continue to expand deeper partnerships and bring more diverse lending and liquidity opportunities to XAUm holders.

Thank you for your continued support. Should you require further clarification or have any questions, please do not hesitate to reach out to our dedicated customer support team at <support@matrixdock.com>.

**Matrixdock Team**

<br>


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