I found this video helpful in understanding more about lending. This is no way financial advice and it is not recommended that anyone attempt to lend or borrow their crypto without fully understanding the risks. Read the full description of the video here below.

Welcome to Episode 1 of our Metal X Lending Series!

In this first episode, we take a deep dive into the Metal X Lending platform and explore the key parameters you need to understand before lending or borrowing crypto assets like XRP and USDC.

We’ll explain:

What APY (Annual Percentage Yield) really means

The difference between Earn and Pay APYs

How APYs are calculated and what affects them

What LOAN token rewards are and how they work

Why APYs can change — and how utilization rate plays a role

Real examples using XRP and USDC

📊 Whether you're new to crypto lending or just want to better understand how to optimize your returns, this video is a great starting point!

👉 In the upcoming episodes, we’ll walk you through the step-by-step process of lending and borrowing, and cover other important concepts like Loan Health and Liquidation Fees.

💬 Have questions or feedback? Drop them in the comments below — and don’t forget to like, subscribe, and hit the bell so you don’t miss future episodes!

🔗 Stay connected with us — your trusted XPR Block Producer: Bloxprod
00:00 Intro
00:34 Loan Market Overview
01:12 All Deposits Section
01:30 All Borrows Section
01:46 APY Explained
02:33 Breakdown of the APY
03:37 LOAN Token
03:57 Utilization Rate Explained
05:02 APY Adjustment
05:52 Outro