> For the complete documentation index, see [llms.txt](https://docs.cream.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.cream.finance/polygon/lending/collateral-factor-and-reserve-factor-1.md).

# Collateral Factor & Reserve Factor

The reserve factor is the percentage of Fee paid to CREAM protocol. If the reserve factor is 10, then that would imply that 10% of the interest paid on the asset is for CREAM.

In the other hand, the collateral factor is the maximum you can borrow on a particular asset.

Example: The collateral factor for ETH is 75%, if the price of ETH is considered as $1000, the max you will be able to borrow in other assets is worth $750

| Token | Collateral Factor | Reserve Factor |
| ----- | ----------------- | -------------- |
| MATIC | 75%               | 10%            |
| USDC  | 85%               | 10%            |
| USDT  | 75%               | 10%            |
| DAI   | 80%               | 10%            |
| WETH  | 82.5%             | 10%            |
| WBTC  | 75%               | 10%            |
| LINK  | 65%               | 20%            |
| SUSHI | 45%               | 20%            |
| CRV   | 45%               | 20%            |
| QUICK | 45%               | 20%            |
| AAVE  | 65%               | 20%            |
| DPI   | 45%               | 20%            |
| FXS   | 45%               | 20%            |
| SNX   | 45%               | 20%            |
| UNI   | 65%               | 20%            |
| ibBTC | 65%               | 10%            |


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter:

```
GET https://docs.cream.finance/polygon/lending/collateral-factor-and-reserve-factor-1.md?ask=<question>&goal=<endgoal>
```

`ask` is the immediate question: it should be specific, self-contained, and written in natural language.
`goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal.

The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.