Borrowing with Flexibility: Using Your Tokens Without Selling

In Web3, we often choose to hold digital tokens we believe will grow in value over time. These assets often represent long-term commitment to a project or ecosystem. When a new opportunity appears or financial needs arise, the default option is usually to sell some of these tokens in exchange for more liquid assets.

Selling offers a quick solution, but it also means giving up exposure to future growth. For those who want to stay invested, this trade-off can be difficult. While some platforms offer alternatives through borrowing, the process often involves multiple steps, fragmented tools, and technical knowledge that not everyone has. Simplifying this process opens up new ways to use existing assets more effectively.

An integrated approach to borrowing

XOXNO offers a borrowing experience that connects all necessary actions in one interface. Users begin by depositing their existing tokens into a shared pool. These tokens continue to generate rewards, and at the same time, they unlock the ability to borrow other assets based on their current value.

“As one of the first builders on the network since genesis, I’ve witnessed every iteration of its features, upgrades, and libraries. I can confidently say we’ve never been in a better position to scale the ecosystem, across complex DeFi, developer adoption, and integrators building on solid infrastructures like XOXNO.

Sooner or later, quality developers will discover MultiversX and immediately appreciate the rich ecosystem of tools and open-source protocols - like our lending protocol - which we actively encourage others to build upon.“ Mihai Eremia, CEO @XOXNO

The interface displays key information such as borrowing limits, interest rates, and overall position health. Updates happen in real time, helping users make informed decisions without switching between multiple applications.

For those looking to apply more advanced strategies, the platform includes ready-made options that combine common actions. For example, a user can increase exposure to a token or amplify returns through a prebuilt borrowing and lending loop, all with minimal manual setup.

To support risk management, XOXNO separates newer or more volatile tokens into isolated sections. These remain independent from the core system, which adds a layer of protection while still allowing users to experiment.Everything functions within the same environment, reducing friction and increasing clarity.

Built on MultiversX

The platform relies on the performance and reliability of the MultiversX blockchain. MultiversX is designed to support high-speed, low-cost transactions, which allows borrowing and lending actions to complete quickly and predictably.

In addition, the blockchain supports flexible standards for digital assets, which makes it easier to connect different tools and create new financial interactions. While the technology powering the system is advanced, the user experience remains accessible.

“MultiversX offers powerful technical features that, on most other chains, can easily become vulnerabilities if implemented incorrectly. But thanks to its simple and secure smart contract framework, we can interact with different products like xExchange, xBoard, OneDex, and many others, without worrying about exploits or needing to understand how each one is built.

Think of it like building your own bank. You need to request money from another bank, but you don’t know what systems or protocols they use. On most blockchains, this could lead to serious compatibility or security issues.

On MultiversX, you simply request the funds, and the framework takes care of the underlying complexity, ensuring secure and seamless interoperability. That's what we appreciate the most!”
Mihai Eremia, CEO @XOXNO

A more flexible way to interact with tokens

Borrowing through XOXNO provides an alternative to selling. It allows users to stay exposed to long-term assets while still responding to short-term needs. The process is designed to feel familiar, even to those without prior experience in decentralized finance.

Users retain full visibility and control. Positions can be adjusted at any time, and each interaction is presented with clear data and guidance.

The result is a more practical use of existing tokens. Long-term holders gain flexibility, and newer participants gain access to tools that were previously more difficult to use or understand.

Moving forward

The borrowing module is now live on the platform. For users who want to explore more active strategies, this system offers a way to do so without increasing complexity. For those focused on long-term growth, it creates new options without requiring asset liquidation.

More developments are planned in future versions. In the meantime, the current system already supports a range of use cases that connect value, usability, and control in a single flow.

To learn more, visit xoxno.com

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_{This article is for informational purposes only and does not constitute financial, investment, or legal advice. Cryptocurrency markets are highly volatile, and borrowing against digital assets carries significant risk, including the potential loss of collateral in the event of price fluctuations. Always conduct your own research before making financial decisions.}

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