# Getting Started

## Prerequisites :

Before using KlikLend, ensure you have:

* A compatible Web3 wallet connected to Ethereum
* USDC for collateral (if you plan to borrow)
* Verified Klik.finance tokens (if you plan to lend)

## Core Concepts :



* **Non-Ruggable Tokens**: Only verified tokens that cannot be manipulated or rug-pulled are supported
* **Lending Markets**: Custom markets created by users to lend their verified tokens
* **Collateral**: USDC deposited to secure borrowed tokens
* **Utilization Rate**: Percentage of supplied tokens currently borrowed
* **Annual Interest Rate**: The yearly return rate for lenders
* **Klik Verification**: Security badge ensuring tokens meet safety standards and cannot be rugged
