# Pull Example - Farmer 1

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**Option 1:** Overcollateralized Borrowing

1. Collateralize 52K ETH and borrow 25K USDC against it @ 5.33% variable APR via Aave (50% LTV)
2. Collateralize 27K S and borrow 13K USDC against it @ 3.27% variable APR via Aave Sonic (50% LTV)
3. Result: 38K USDC @ blended 4.63% APR

**Option 2:** 3Jane Unsecured Credit

1. 3CA underwrites against onchain transactions, offchain credit score, and entire DeFi/CEX/Bank financial profile. Generates a 141K USDC credit line (15.1% of asset value) at 7.93% variable APR (including a fixed 2.6% credit default risk premium above 5.33% SOFR)
2. Pull up to 141K USDC
3. Result: 141K USDC @ blended 7.93% APR