> 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

Get Flexible Loans While Support Creators And Safeguarding Your Collection

## Creator Royalties on Loans

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

<figure><img src="https://432388154-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FHe7BSBT4RikL3W6P7rlP%2Fuploads%2FzQKB1S7KehxLXkB53Osp%2FDocs_CreatorRoyaltiesOnLoans.png?alt=media&amp;token=074d1a97-f21c-4e2c-9994-81f828a40155" 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="https://432388154-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FHe7BSBT4RikL3W6P7rlP%2Fuploads%2F9CGwvLSyMx27TDcCUvBn%2FDocs_ProRataLoans.png?alt=media&amp;token=b4294176-b238-4b85-8184-e7576b0f5e28" 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="https://432388154-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FHe7BSBT4RikL3W6P7rlP%2Fuploads%2FWHMvityJCuHfHPWRMwpk%2FDocs_InstantRefinancing.png?alt=media&amp;token=25a3b404-48cc-4458-b7ba-c2afca962e84" 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="https://432388154-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FHe7BSBT4RikL3W6P7rlP%2Fuploads%2FnWn6xuCyDLgTkcBusfGh%2Fimage.png?alt=media&amp;token=842dc75b-3ca6-4907-8a40-e759db3f91bf" 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="https://432388154-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FHe7BSBT4RikL3W6P7rlP%2Fuploads%2Fl78YGRPTQ1DzyjEeWfdF%2Fimage.png?alt=media&amp;token=c2751d34-e312-410d-9d5b-d0f261316295" 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="https://432388154-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FHe7BSBT4RikL3W6P7rlP%2Fuploads%2FU09SxfclrJhLLIlPhr93%2Fimage.png?alt=media&amp;token=479b2674-faa7-4571-bd89-d188cbbda874" 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="https://432388154-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FHe7BSBT4RikL3W6P7rlP%2Fuploads%2Fqjj18x68rYD1y0ks1Xkf%2Fimage.png?alt=media&amp;token=697fed5b-9296-4cb1-be4d-3f663acc1f76" 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.

![](https://432388154-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FHe7BSBT4RikL3W6P7rlP%2Fuploads%2FmmTLgeWyP35pQCnXt3YA%2Fimage.png?alt=media\&token=927ad7b5-c74a-4667-b8d2-aa3b44bddd21)

## 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.

![](https://432388154-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FHe7BSBT4RikL3W6P7rlP%2Fuploads%2Fz0kYUr6hWtH5PufI6HaG%2Fimage.png?alt=media\&token=a1a41b43-6c42-4955-9700-968ff34592cc)