> For the complete documentation index, see [llms.txt](https://docs.surflending.org/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.surflending.org/surf-mainnet-protocol/2.-quick-start-guide.md).

# 2. Quick‑Start Guide

<figure><img src="/files/bTwomlCVJod5at3REKPL" alt=""><figcaption></figcaption></figure>

1. Connect a Cardano wallet that supports smart contracts (Eternl wallet is Recommended on desktop, Vespr wallet on the Mobile).
2. **(Optional)** To earn passive yield, pick a pool and click **Supply** to deposit tokens.
3. Need liquidity? Click on any pool’s **Borrow** button (no prior supply required), type how much you want, then add enough collateral until the health factor is satisfactory.
4. Track your Loan Health Score of your Borrow positions in the Portfolio tab (needs to stay above **1.0** to avoid liquidation).
5. Add collateral anytime, or repay the loan in full whenever you’re ready.

*Orders normally settle within two minutes. If yours lingers, it likely means the pool lacks free liquidity or the market’s batcher is temporarily down. You can cancel while it’s pending, but note the 1 % loan‑opening fee is manually refunded—open a support ticket instead of cancelling on a whim.*