> For the complete documentation index, see [llms.txt](https://cephei.gitbook.io/cephei/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://cephei.gitbook.io/cephei/cephei-protocol-explained/expanding-the-utility-of-collateral.md).

# Expanding the Utility of Collateral

## Self-pay loans

Cephei offers users to take loan under LST (tsTON, stTON) as collateral, so your collateral would generate 3-5% yield for you, while you will be using cUSD! 

## Collateral strategies

Collateral strategies is another unique feature of Cephei. You can send your collateral in one of our yield strategies and receive an additional yield on your collateral