> For the complete documentation index, see [llms.txt](https://credix-1.gitbook.io/docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://credix-1.gitbook.io/docs/how-credix-works/borrowing-aggregation-flow.md).

# Borrowing Aggregation Flow

When a user wants to borrow an asset:

1. The user supplies collateral through CrediX.
2. CrediX checks borrowing rates, LTV ratios, and risk profiles across platforms.
3. It selects the protocol with the **lowest APR** and most favorable terms.
4. If a better rate appears later, CrediX can migrate the debt position.