> For the complete documentation index, see [llms.txt](https://docs.fluidnft.org/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.fluidnft.org/overview/our-features.md).

# Our Features

## Creator Royalties on Loans

Creators receive royalties on every repaid loan, supporting a more sustainable creator ecosystem.

<figure><img src="/files/FCGXt4ZzY7RuFWKTalPL" alt=""><figcaption><p>Earn points by being awesome <span data-gb-custom-inline data-tag="emoji" data-code="1f49c">💜</span></p></figcaption></figure>

## Pro-Rata Loans

Borrowers only pay interest while the loan is outstanding. Save money by repaying your loan early.

<figure><img src="/files/LUJktwjYmtST4tKgdsxk" alt=""><figcaption><p>Only pay for what you use <span data-gb-custom-inline data-tag="emoji" data-code="1f91d">🤝</span></p></figcaption></figure>

## Instant Refinancing

Instantly and permissionlessly refinance loans to borrow more against an appreciated asset, make loan partial repayments, and / or get extensions on your loan.

<figure><img src="/files/VK22yAyJbA8SLaR77FHw" alt=""><figcaption><p>Batch refinance to save on gas <span data-gb-custom-inline data-tag="emoji" data-code="1f609">😉</span></p></figcaption></figure>

## Borrow Against Your NFT's NFTs :exploding\_head:

We support ERC6551 token accounts. Borrow against your NFT and its inventory. Save on gas and borrow against 1000s of NFTs in a single transaction.

<div align="left"><figure><img src="/files/soUZSDttSxDMa0zUlPAv" alt="" width="563"><figcaption><p><a href="https://blog.thirdweb.com/erc-6551-token-bound-accounts/">Excellent write up on ERC6551 from thirdweb</a></p></figcaption></figure></div>

## Borrow More Against Rare NFTs

We support collection, trait and tailored NFT Oracle pricing. &#x20;

<div align="left"><figure><img src="/files/xPRofS6bpRCDLYPLw9tN" alt="" width="188"><figcaption><p>Unlock your grails <span data-gb-custom-inline data-tag="emoji" data-code="1f3c6">🏆</span></p></figcaption></figure></div>

## Open Edition NFT Support

Borrow against either ERC721 or any amount of ERC1155 NFTs with the same user experience.

<div align="left"><figure><img src="/files/Ke2NfonY7tlH3Tp9rZs8" alt="" width="188"><figcaption><p>We take all kinds here <span data-gb-custom-inline data-tag="emoji" data-code="1f47d">👽</span></p></figcaption></figure></div>

## Retain NFT Utility

Claim airdrops, discord and token-gated events thanks to our integration with Delegate Cash.

<div align="left"><figure><img src="/files/spcYxJZuWbotKhI4IGFi" alt="" width="120"><figcaption><p>Prove token ownership</p></figcaption></figure></div>

## Borrower-Friendly Liquidations

In the event of a liquidation, borrowers receive 90% of the auction price as compensation minus the outstanding debt. Dutch auctions with high start price multiples ensure maximum recovery.

![](/files/zwtHBKANK0UxTzTFHV6P)

## Borrower Liquidation Protection

All loans are fixed term, which means borrowers cannot suddenly lose their NFT without warning. Furthermore, borrowers have a 1-week grace period on all loans, just in case.

![](/files/5GbaEqEEIe2yCxH9xqpr)