# Basic Account

This account has the broadest set of collateral types, but with it more conservative Loan-to-Values ("LTVs") and Liquidation thresholds. 

{% hint style="info" %}
The following LTVs may are likely to change prior to Mainnet. These have been set somewhat aggressively, and may be updated prior to Mainnet. We'll communicate this on our various channels when or if such changes occur. 
{% endhint %}

## Basic Tokens

| Accepted Collateral | LTV   | Liquidation Threshold |
| ------------------- | ----- | --------------------- |
| USDC                | 85.5% | 88%                   |
| USDT                | 85.5% | 88%                   |
| DAI                 | 77%   | 90%                   |
| ETH                 | 82.5% | 85%                   |
| WBTC                | 70%   | 80%                   |

## Deposit Tokens

These are vanilla, deposit-like tokens where tokens are deposited, or staked in exchange for a yield. These tokens, risk-wise, trade as a haircut to the Basic Tokens above. For example, if ETH's LTV is 75% and the Haircut is 5%, then this gives a Haircut Discount Factor (HDF) of (100%-5%) = 95%, and so the corresponding LTV metric is: 75% x (100%-5%) = 75% x (95%) = 71.25%.  

Accepted Currencies: USDT, USDC, DAI, ETH, WBTC

<table><thead><tr><th width="308.7940473429737">Accepted Collateral</th><th>LTV &#x26; Liquidity HDF</th></tr></thead><tbody><tr><td>Aave aTokens</td><td>95%</td></tr><tr><td>Compound cTokens</td><td>95%</td></tr><tr><td>LIDO stkTokens</td><td>coming soon</td></tr></tbody></table>

## Complex Tokens

These are any other tokens where the underlying is deemed structured, or complex.&#x20;

Accepted Currencies: USDT, USDC, DAI, ETH, WBTC

<table><thead><tr><th width="308.7940473429737">Accepted Collateral</th><th>LTV &#x26; Liquidity HDF</th></tr></thead><tbody><tr><td>Curve LP Tokens</td><td>95%</td></tr><tr><td>Uniswap LP V3 NFT Tokens</td><td>95%</td></tr><tr><td>Yearn yTokens</td><td>coming soon</td></tr><tr><td>Balancer LP Tokens</td><td>coming soon</td></tr><tr><td></td><td></td></tr></tbody></table>


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