> For the complete documentation index, see [llms.txt](https://creda-app.gitbook.io/creda-protocol/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://creda-app.gitbook.io/creda-protocol/getting-started/credit-account.md).

# Credit account

Note that all of the following conditions must be met in order to to use Credit Account features:

* Credit Loan Requirement: Credit Score>=500 
* Credit Network Layer 1 Users with 500 Credit Score or above>=10 
* The Users available to insure in Credit Network Layer1+Layer2>=10
* The Credit Loan Amount is $100 minimum and the maximum is 10x users’ insurable amount available in Credit Network Layer 1 + Layer 2.

### Credit Network adds three functions: 

* **Insure amount** \
  the amount you guarantee
* **Payout amount** \
  when you guarantee another lender and the lender cannot repay the loan then you pay the loan for the lender
* **Insurance Income** \
  when you are a guarantor, the other party needs to pay you the corresponding guarantee fee.<br>

![](https://1888623400-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FIkBpl0Jl7LkylvgjTcLr%2Fuploads%2FccdpdEJH2f8J7StzIG3X%2F26.jpg?alt=media\&token=2dcb683f-9300-4012-9e3d-28b0eb50c40d)

There are three (3) tokens in **“STATES‘’ (USDT, USDC, DAI)**\
\
Right under, you can view the **“Loan Available”**, **“Borrow”**, and **“Total Value”** of each token.&#x20;

{% hint style="info" %}
If you see the pop-up message "Sufficient Credit Network Requirements", it means your Credit Score is <500
{% endhint %}

![](https://1888623400-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FIkBpl0Jl7LkylvgjTcLr%2Fuploads%2FpcBRGACc9GiJsNuj6Nuk%2F27.jpg?alt=media\&token=5f0b929c-ea22-4d2e-9c25-43246f353b49)

\
**“MANAGE”** your debt, where you can pay or borrow more.

![](https://1888623400-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FIkBpl0Jl7LkylvgjTcLr%2Fuploads%2Fi3FKOyy74Cg4nLLgnwHv%2F25.jpg?alt=media\&token=bb30b8fe-eaf5-4be9-a432-e2f4df6a85a6)