Therefore, in order to borrow $200 worth of the interested assets, a Borrower posts 1 BNB worth $400 as collateral. The maximum LTV ratio for BNB is 50%. The borrower may borrow up to 200 BUSD. This is 50% of the value in USD of the 1 BNB posted as collateral*. They immediately receive $200 worth of 200 BUSD in their wallet, which they can do whatever they want with, and start paying an Interest Rate for it, which is based on their Utilization Rate of existing Liquidity in the Qubit Markets.