# ButtonZero User Guide

***ButtonZero*** is an overcollateralized borrowing platform created by [PRL.one](https://www.prl.one/). It offers users the ability to borrow cash (USDT), using their cryptocurrency holdings as collateral (ETH, wBTC, AMPL), at a fixed rate with **zero** coupon payments, **zero** liquidations, and **zero** margin calls. 

This pages to follow will serve as a user guide, including a how-to guide and explanation about the protocol. 

Visit the application at <https://zero.button.finance/><br>

Note: Terminology in fixed-income finance can trip users up. To clarify:

* The "Borrower" of a bond = Bond Seller = Bond Issuer = Debtor&#x20;
* The "Lender" of a bond = Bond Buyer = Bond Holder = Creditor

## Guides

The following sections contains user guides showing processes for workflows in the ButtonZero application. If you click into any of the pools you will see additional information of the related tranche pool:

<figure><img src="https://2960531599-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MkOcHevGAkolQq9Te-Z%2Fuploads%2FTRxMYGLhtdHaAO9NNyn8%2FScreen%20Shot%202023-04-24%20at%202.56.08%20PM.png?alt=media&#x26;token=cbe8049c-5932-4683-963d-347892778090" alt=""><figcaption></figcaption></figure>

{% content-ref url="borrow-app/borrow" %}
[borrow](https://docs.prl.one/buttonwood/user-guides/borrow-app/borrow)
{% endcontent-ref %}

{% content-ref url="borrow-app/lend-1" %}
[lend-1](https://docs.prl.one/buttonwood/user-guides/borrow-app/lend-1)
{% endcontent-ref %}

{% content-ref url="broken-reference" %}
[Broken link](https://docs.prl.one/buttonwood/user-guides/broken-reference)
{% endcontent-ref %}

{% content-ref url="borrow-app/pay-back" %}
[pay-back](https://docs.prl.one/buttonwood/user-guides/borrow-app/pay-back)
{% endcontent-ref %}