> For the complete documentation index, see [llms.txt](https://guide.rhea.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://guide.rhea.finance/near-chain-guides/lending-and-borrowing/step-by-step-guide.md). # Step by Step Guide ## Supply Step 1: Access and connect your wallet

Step 2: Select one asset from the list and click “Supply”

Step 3: Enter your desired number and turn on “Use as Collateral” (Optional)

Step 4: Supply and sign the transaction

## Borrow Make sure you have already supplied your asset (and turned on Use as collateral button) first before borrowing.

Step 1: Select a token you want to borrow I will borrow $DAI using $USDT as collateral in this situation

Step 2: Choose an appropriate amount

Step 3: Verify all the details and confirm the transaction ### Repay Step 1: Click on Repay Button

Step 2: Enter an appropriate amount

Notice that Health Factor changes every time you increase/decrease the repayment amount Step 3: Confirm the transaction ### Withdraw Step 1: Click the [Dashboard](https://lending.rhea.finance/dashboard) button & choose the token you wish to withdraw

Step 2: Choose an appropriate amount

Step 3: Verify the details and confirm your transaction ### Adjusting collateral Step 1: Select the token and click "Adjust" button

Step 2: Enter an appropriate amount Keep an eye on your Health Factor since it will adjust following your collateral position

Step 3: Confirm the transaction