# Supply ## **Supplying Tokens** MORE Markets provides a facility for users to deposit tokens and earn yield on those holdings, while also granting the flexibility to treat the very same deposits as collateral for borrowing. Once tokens are transferred into MORE’s on-chain contracts, responsible for managing overcollateralized loans, depositors begin accruing interest. ## **How Rates Are Determined** The protocol’s interest mechanism is anchored in the utilization rate, the percentage of the market that is currently borrowed compared to what has been supplied. Alongside utilization, certain parameters, like collateral thresholds or rate curve factors, can be updated by market creators. Real-time data, including token inventory, price oracles, and ongoing borrow levels, inform these decisions. As users supply liquidity, take out loans, repay debts, or withdraw funds, the protocol recalibrates the interest structure, rewarding suppliers in proportion to evolving supply-and-demand conditions. --- # 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.more.markets/more-markets/editor/images-and-media.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.