# 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: 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: ``` GET https://docs.cream.finance/polygon/lending/collateral-factor-and-reserve-factor-1.md?ask= ``` The question should be specific, self-contained, and written in natural language. 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.