# How to borrow

1. Connect your wallet: sign in via the Keeper Wallet browser extension or via WX Network. If you don't have a wallet on the Waves blockchain, [create one](/guidebook/get-started-on-waves/create-wallet.md).
2. Under **All assets** headline, select an asset you'd like to supply as collateral and click **Supply**.
3. Enter the amount. Click **Supply** and confirm the transaction.
4. Under **All assets** headline, select an asset you need and click **Borrow**.
5. Enter the amount. Click **Withdraw** and confirm the transaction.

Your debt permanently increases due to the accrued interest. 

{% hint style="warning" %}
The interest rate you pay is not constant: it changes depending on the supply and demand ratio of the asset.
{% endhint %}


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