> For the complete documentation index, see [llms.txt](https://help.helioscard.xyz/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://help.helioscard.xyz/credit-line-and-borrowing/limits-and-tiers.md). # Borrow limits & tiers How much you can borrow depends on two things: how much **collateral** you hold, and your **tier**. ## Two limits at once * **Collateral** — you can borrow up to a set portion of your collateral's value. You can't borrow against the full value; the remainder is the safety buffer that protects you from liquidation. * **Tier** — your tier sets a ceiling on how much you can borrow overall. Your actual available-to-borrow amount is whichever of these is lower, minus anything you've already borrowed. You can see your current limit and usage on your dashboard. ## Tiers Helios uses a **graduated** approach. When you're approved, you start at an entry tier. As you establish history with Helios, you can move up to higher tiers with larger ceilings. {% hint style="info" %} Limits are part of a pilot and can change. Your dashboard always shows your current, live limit. {% endhint %} ## Frequently asked ### Why is my limit lower than someone else's? Limits are individual — they depend on your collateral and your tier. ### How do I increase my limit? Add more collateral to borrow against more of it, and continue using Helios to progress to a higher tier over time. ### Did my limit change? Limits can be adjusted during the pilot. If yours changed unexpectedly, [contact support](/help-and-troubleshooting/contact.md). --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## 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, and the optional `goal` query parameter: ``` GET https://help.helioscard.xyz/credit-line-and-borrowing/limits-and-tiers.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. 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.