# How can you use Cephei ## Loans for everyday use You can easily take a loan for your everyday needs. For example if you want to buy something and all your money is in crypto, then you dont need to sell your crypto to buy it! Just use your tokens as collateral, take a loan in $cUSD and off-ramp them to fiat, thats it! ## Leverage position without risks You can put your TON as collateral, borrow $cUSD, sells the received $cUSD for TON and again put the received TON as collateral, and so on in a circle, thus obtaining leverage of his long position in TON. Also you can activate loan insurance, so you can sleep without worrying about liquidation! ## Earn additional yeald You can put stTON as collateral, which native yield is 2-4% + some APR from our collateral strategies, for example liquidity providing strategy to storm trade (sum of this APR’s will cover Interest Rate for loan), takes a loan for some amount of $cUSD and further use the new liquidity in his yield strategies, thus getting leverage --- # 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://cephei.gitbook.io/cephei/cephei-protocol-explained/how-can-you-use-cephei.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.