> 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/7.-risk-parameters.md).

# 7. Risk Parameters

Below are the current loan‑to‑value (LTV) settings for each pool launched so far. The **Minimum LTV** is the highest LTV you can open a loan with; the **Liquidation Threshold** is the LTV % which triggers liquidation of a borrow position.

<table data-header-hidden><thead><tr><th valign="middle"></th><th valign="middle"></th><th valign="middle"></th></tr></thead><tbody><tr><td valign="middle">Pool</td><td valign="middle">Liquidation Threshold (%)</td><td valign="middle">Minimum LTV (%)</td></tr><tr><td valign="middle">ADA/SURF</td><td valign="middle">50</td><td valign="middle">40</td></tr><tr><td valign="middle">ADA/SNEK</td><td valign="middle">60</td><td valign="middle">48</td></tr><tr><td valign="middle">ADA/USDM</td><td valign="middle">80</td><td valign="middle">64</td></tr><tr><td valign="middle">USDM/ADA</td><td valign="middle">80</td><td valign="middle">64</td></tr><tr><td valign="middle">ADA/STRIKE</td><td valign="middle">65</td><td valign="middle">40</td></tr><tr><td valign="middle">ADA/BODEGA</td><td valign="middle">65</td><td valign="middle">40</td></tr><tr><td valign="middle">ADA/IAG</td><td valign="middle">65</td><td valign="middle">40</td></tr></tbody></table>

Formulas

LTV = Borrowed Value ÷ Collateral Value

Health Score = Liquidation Threshold ÷ LTV

A Health Score above 1 means your position is safe; at or below 1 puts it in the liquidation zone.\*