# Pull Example - Trader 1

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**Option 1:** Overcollateralized Borrowing

1. Collateralize 19.9K LINK and borrow 10K USDC against it @ 5.33% variable APR via Aave (50% LTV)
2. Result: 10K USDC @ blended 5.33% APR

**Option 2:** 3Jane Unsecured Credit

1. 3CA underwrites against onchain transactions, offchain credit score, and entire DeFi/CEX/Bank financial profile. Generates a 68K USDC credit line (11% of asset value) at 8.73% variable APR (including a fixed 3.4% credit default risk premium above 5.33% SOFR)
2. Pull up to 68K USDC
3. Result: 68K USDC @ blended 8.73% APR