> For the complete documentation index, see [llms.txt](https://docs.usegimbal.app/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.usegimbal.app/resources/questions.md).

# Questions people ask

Plain answers to the questions people bring to Gimbal most often.

## Collateral and borrowing

**Which assets can secure a loan?** Right now, Robinhood Stock Tokens in Tier A and Tier B, where liquidity sets the tier. Long-tail Stock Tokens are the next market on the roadmap, and after them fund shares and tokenized treasuries. Details are on [Tiers and loan-to-value limits](/collateral/tiers-and-ltv.md).

**And what do I receive?** USDG, the Global Dollar issued by Paxos.

**Who decides the interest rate?** Nobody in particular. Your borrow request carries the highest APR you will accept; each lend offer carries the lowest that lender will take. Where they overlap, the desk originates, and the rate then holds for the entire term.

**Is early repayment allowed?** It is, once the loan is 3 days old. Those first 3 days are the minimum interest period.

**What are my options when the term ends?** Three. Repay in full. Put the loan through a rollover auction, where lenders bid to carry it forward. Or do nothing, and default sends the collateral to a liquidation auction. See [Maturity, grace and rollover](/mechanics/maturity-and-rollover.md).

**Does anything change when the stock market is shut?** Yes. While the market is closed a closed-market haircut applies, so your effective liquidation LTV is lower, and the floor of any auction is bounded. Read your closed-market health factor on Friday before the close.

## Lending

**Is there a gas cost to posting an offer?** None. A lend offer is a signed message, not a transaction. Gas is paid at origination by the borrower, or covered for them through account abstraction.

**What exactly do I hold once a loan fills?** A slice token: an ERC-721 that represents your slice of that loan. It transfers to any other eligible address.

**How much does Gimbal keep?** 10% of your interest, netted from the payout. Nothing is ever deducted from principal.

**Can a lender lose principal?** Yes, on your own slices, if a liquidation auction clears for less than your claim. A loss on a loan you never funded cannot reach you; each slice is walled off from the rest.

## Failure cases

**Suppose the price feed is bad.** `PriceSentinel` handles it. A zero price reverts. A stale answer or a paused market is flagged, and the desk will neither originate nor liquidate on it. A move beyond the configured cap pauses the market. Where a Data Streams adapter exists, the stream price is checked against the Data Feed. The feed is always for the exact token in escrow, never a wrapper. More on [Pricing, sessions and the price checks](/risk/pricing.md).

**Suppose the sequencer stops.** Once it comes back, liquidations remain suspended for a grace period. Throughout the outage every function stays reachable through the delayed inbox on L1. More on [When the sequencer stops](/risk/sequencer.md).

**Could the issuer freeze Stock Tokens sitting in escrow?** The deployed bytecode of each Stock Token was examined, before its market opened, for roles that could pause it, freeze it, blacklist holders or force a transfer. The finding sits on Telemetry, the public risk page, alongside the market. If a role of that kind exists, the tier's LTV and its exposure cap were set with it in mind. More on [The issuer behind every Stock Token](/risk/issuer.md).

## Access and status

**Is this running today?** Yes, in production. The chain is Robinhood Chain, ID 4663; the platform is reachable at [usegimbal.app/platform](https://usegimbal.app/platform).

**Is it a pool?** No. Gimbal matches individual lenders with individual borrowers on fixed-rate, fixed-term loans, and every slice stands alone. Lenders may park unmatched capital in a vault run by Morpho, but that vault is Morpho's own; it is no pool of Gimbal's.

**Who is eligible?** Professional lenders, and on the borrowing side verified businesses and professional or high-net-worth individuals, all inside eligible jurisdictions. Retail access arrives one jurisdiction at a time, where the rules allow it.

**I am a US person. Am I excluded?** No. Access depends on verification rather than location. Clear identity verification and the suitability check, and an attestation lands in your wallet.

## Building and operating

**Can I run my own indexer or relayer?** Both are open source and need no permission. Signed messages rebuild the order book; chain events rebuild loan state.

**Is running a keeper open to anyone?** Yes. Start with [Keepers, liquidators and bidders](/guides/keepers-and-bidders.md).

**Where do I find the contract addresses?** The record is `contracts/deployments/4663.json` inside the repository. The platform shows the same addresses under its protocol parameters, and so does the Explorer, Gimbal's public loan explorer. See [Build and deploy](/architecture/build-and-deploy.md).


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