FAQ
Troubleshooting
Why won't my wallet connect, or why does it keep disconnecting?
Make sure you're on the right network (testnet vs mainnet), refresh the page, and reconnect from the wallet extension/app. If it still drops, close other dapps using the wallet and try again.
What should I do if a transaction is pending for a long time or fails after I sign it?
Don't keep re-signing the same transaction. Check your wallet activity/history, make sure you have enough XLM for fees, then retry once. If it keeps failing, try a smaller amount (you may be hitting a limit).
What happens if I don't have enough XLM to pay network fees?
Your transaction won't submit or will fail. Add a small amount of XLM to your wallet, then try again.
Why can't I supply or borrow more even when I have balance and the market shows liquidity?
You may be blocked by a pool rule, not your wallet balance. Common reasons: the pool hit its Supply Limit, utilization reached the max utilization ratio, utilization-based throttles are active, or the market is temporarily paused for certain actions.
Why is an asset marked Restricted, and what does it mean for me?
Restricted assets require extra rules (like KYC/allow-listing). If you're not eligible, you may be unable to supply, borrow, or use that asset as collateral until you meet the requirements.
Why can't I borrow in the same pool where I have a deposit (or supply to a pool where I have an active loan)?
A user cannot open a borrow position in a market where they also have a deposit position (either supply or plain collateral) on the same obligation, as this complicates security analysis. If you need both supply and borrow exposure in the same market, use separate obligation keys to isolate the positions.
Why does a withdrawal get blocked even when I'm not trying to take out "too much"?
Withdrawals can be blocked if the pool doesn't have enough available liquidity right now, if withdrawal throttles are active at high utilization, if withdrawing would reduce your collateral too much (hurting your health factor), or a bad debt lock applies.
Conceptual
What is an ObligationKey and how do different position types work?
An ObligationKey combines your wallet address with an optional seed to identify a specific position. Different seeds create different position types: standard (supply + borrow), earn-only (deposit only, no borrowing), and pair (for composed strategies). This lets one wallet hold multiple isolated positions in the same market.
What's the difference between jTokens (supply shares) and plain collateral?
jTokens represent your deposit and automatically earn interest as the pool's exchange rate grows. Plain collateral (added via add_collateral) doesn't earn interest but is always eligible for withdrawal as long as the obligation stays healthy, regardless of pool utilization. Withdrawing jTokens (i.e., burning supply shares) can fail if there is insufficient liquidity in the pool at the time. Both contribute to your health factor and borrowing capacity.
See Concepts: jToken.
What does the time-lock on configuration changes mean for me as a user?
All pool and market parameter changes must be queued and wait a fixed period before taking effect. This gives you advance notice of any changes to rates, LTV thresholds, or fees, so you can adjust your position or exit before the new parameters apply.
See Concepts: Time-lock.
How does the health factor work and when does liquidation happen?
Your health factor (HF) is the ratio of your collateral value to your borrowed value. When the weighted version with close LTV and liability factors (aka LHF — liquidation health factor) drops below 1 — due to price movements, accrued interest, or parameter changes — your position becomes eligible for liquidation. A third party can then repay part of your debt and claim discounted collateral.
See Concepts: Health Factor and Risk Management: Liquidations.
What happens if there's bad debt in a pool?
If a borrower's debt exceeds their collateral value after liquidation, the remaining shortfall is first covered by the market's insurance fund. If the insurance fund can't cover it fully, the residual loss is shared proportionally across all suppliers in that pool.