# Withdraw

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**XOXNO Lending and Borrowing** lets users withdraw their deposited tokens (including any earned interest) whenever there’s enough available liquidity in the system. However, the amount you can withdraw depends on two main factors:

1. **Available Liquidity**: There must be enough unused tokens in the reserve to cover your withdrawal.
2. **Collateral Balance**: If you’ve borrowed assets, your collateral must remain strong enough to support your borrow position. This means you need to maintain a healthy **collateralisation ratio** (the value of your collateral compared to your borrowed assets).

If you’ve borrowed tokens, withdrawing your collateral can increase the risk of **liquidation**. Liquidation happens if your **health factor** (a measure of the safety of your collateral) drops too low. To avoid this, make sure your account stays above the **liquidation threshold** (the point where the platform may sell off your collateral to cover your debt).

Careful management of your borrowing and withdrawals is key to avoiding liquidation and staying safe while using XOXNO. Always monitor your collateral and health factor to ensure you remain within safe limits.


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