> 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 <https://lending.rhea.finance/> and connect your wallet

<figure><img src="/files/KYnMoi32XJQmG031DMFZ" alt=""><figcaption></figcaption></figure>

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

<figure><img src="/files/dcSLtK0RefcxQMM3Q6Gy" alt=""><figcaption></figcaption></figure>

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

<div data-full-width="false"><figure><img src="/files/dtzvHeKqkEOp9oUXeSYr" alt="" width="375"><figcaption></figcaption></figure></div>

Step 4: Supply and sign the transaction

<figure><img src="/files/siizd38gCVsOLb1ZweAL" alt="" width="352"><figcaption></figcaption></figure>

## Borrow

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

<figure><img src="/files/MPaKIEsRl6CZp4rKo14K" alt=""><figcaption></figcaption></figure>

Step 1: Select a token you want to borrow

I will borrow $DAI using $USDT as collateral in this situation

<figure><img src="/files/LiXQD6X4HyALIi1tzzsY" alt=""><figcaption></figcaption></figure>

Step 2: Choose an appropriate amount

<figure><img src="/files/yBhTpe48NqgvONW82Io8" alt="" width="375"><figcaption></figcaption></figure>

Step 3: Verify all the details and confirm the transaction

### Repay

Step 1: Click on Repay Button

<figure><img src="/files/SEbsMa36WL4Lx2SqyS9F" alt=""><figcaption></figcaption></figure>

Step 2: Enter an appropriate amount&#x20;

<figure><img src="/files/eDXvByDunmTysrCji1Ll" alt="" width="375"><figcaption></figcaption></figure>

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

<figure><img src="/files/SDSHUgG55OiwLNmA4siX" alt=""><figcaption></figcaption></figure>

Step 2:  Choose an appropriate amount

<figure><img src="/files/nGRhAybclsk9GFtwtfac" alt="" width="375"><figcaption></figcaption></figure>

Step 3: Verify the details and confirm your transaction

### Adjusting collateral

Step 1: Select the token and click "Adjust" button

<figure><img src="/files/WPmedSc2YAmxV0UJy9yG" alt=""><figcaption></figcaption></figure>

Step 2: Enter an appropriate amount&#x20;

Keep an eye on your Health Factor since it will adjust following your collateral position

<figure><img src="/files/33doXa58VMkO47GN0rHB" alt="" width="375"><figcaption></figcaption></figure>

Step 3: Confirm the transaction