| | Lending FAQ | | 借款常見問題集 | | | Why can't I borrow? The system shows "Outflow reach limit."

| It means that the asset category you wish to borrow has reached its daily borrowing limit. Please wait 24 hours for the system to update the outflow limit for that asset | 為何我不能借款，系統顯示Outflow reach limit? | 代表您希望借出的資產類別，已達到每日資產借出上限，需等待24小時後，系統會更新該資產的流出上限。 | | Can loans also generate returns? How is my loan interest calculated? | Scallop adopts a borrowing-driven lending model, encouraging users to borrow from Scallop by providing borrowing incentives. Loan earnings = Loan amount * Reward APR | 借款也能獲得收益嗎? 怎麼計算我的借款收益? | Scallop採用借款驅動的借貸模型，鼓勵用戶從Scallop借款，提供借款激勵。 借款收益 = 借款金額 * 獎勵APR | | 100% Borrowing Model FAQ | | 100% 借款模型常見問題解答 | | | Why do I need to pay more than my debt? | In the example above, if you have debts of 0.97 and 0.98, when repaying these debts, we'll add a 1% charge from your account to ensure full debt clearance. Any excess from this 1% charge, after the debt is settled, will be refunded to you. This 1% is not kept by us; it's merely a precaution to guarantee that all debts are fully repaid, and it will be returned to you after repayment. | 您為什麼需要支付比我欠款更多的款項？ | 在上面的例子中，如果您有0.97和0.98的債務，在還清這些債務時，我們會從您的帳戶中額外收取1%的費用，以確保完全清償債務。在債務結清後，超過這1%費用的任何餘額將退還給您。這個1%費用不是我們保留的，只是一種預防措施，以確保所有債務得到全額還清，並且在還款後將會退還給您。 | | What is the 100% borrowing model in Scallop? | Scallop has transitioned to a 100% borrowing model, where all SUI incentives are allocated exclusively to the Borrow Pools to encourage more borrowing activities on the platform. | Scallop 的100% 借款模型是什麼？ | Scallop 已經轉向使用 100% 借款模型，所有的 SUI 激勵都專門分配給借款池，以鼓勵平台上更多的借款活動。 | | Why did Scallop shift to a 100% borrowing-centric model? | To stimulate a more dynamic Sui ecosystem by promoting borrowing activities, which helps reduce the under-utilization of assets and supports the growth of the Sui DeFi ecosystem. | Scallop 為什麼轉向使用 100% 的借款中心模型？ | 為了刺激更具活力的 Sui 生態系統，通過促進借款活動來減少資產的低效利用，並支持 Sui 去中心化金融生態系統的增長。 | | What happens to the incentives for lenders under the new model? | Lenders no longer receive reward APRs under the new model; however, they can still benefit from the base APR, which compounds automatically on their assets. | 在新模型下，放貸者的激勵如何處理？ | 根據新模型，放貸者不再獲得獎勵的年化利率（reward APRs）；然而，他們仍然可以從基本的年化利率（base APR）中受益，該利率會自動複利於他們的資產上。 | | Are borrowing fees affected by this new model? | Yes, borrowing fees have increased from 0.1% to 0.3% to support further growth and development of Scallop’s platform. | 這個新模型是否影響借款費用？ | 是的，借貸費率已從0.1%提高到0.3%，以支持Scallop平台進一步的成長和發展。 | | Can I still earn high APRs under this new model? | Yes, borrowers can earn significantly high APRs, especially with SCA Boosted Borrow Incentives, which can provide up to a 4X boost on their Borrow APR. | 在這個新模型下，我還能獲得高的年化利率嗎？ | 是的，借款人可以獲得顯著高的年化利率，特別是通過SCA Boosted Borrow Incentives，可以對他們的借款年化利率提供最多4倍的增益。 | | PROGRAM FAQ - Referral Program FAQ | | 推薦計劃常見問題集 | | | How do I get my referral link for Scallop’s Referral Program? | You can generate your referral link by visiting Scallop's referral page. | 我如何獲取Scallop推薦計劃的推薦連結？ | 您可以通過訪問Scallop的推薦頁面來生成您的推薦連結。 | | What benefits do I get from Scallop's Referral Program? | Referrers earn up to 50% of their referee's borrow fees, and referees enjoy a 10% discount on their borrowing fees. | 我從Scallop的推薦計劃中可以獲得哪些好處？ | 推薦人可以獲得其被推薦人借款費用的最多50%作為獎勵，而被推薦人可以享受其借款費用的10%折扣。 | | Are there any limits to how many people I can refer? | No, there are no limits. The more people you refer, the more you can earn. | 我可以推薦的人數有限制嗎？

| 不，沒有限制。您推薦的人數越多，您可以賺取的獎勵就越多。 | | How long does the referral discount last for my referees? | The 10% discount on borrowing fees for referees is ongoing as long as they continue to use the platform. | 我的被推薦人可以享受多久的推薦折扣？ | 對於被推薦人來說，借款費用的10%折扣是持續的，只要他們繼續使用這個平台。 | | What should I do if my referral link isn't working? | Ensure that the link is correctly copied and pasted. If issues persist, contact Scallop support for assistance. | 如果我的推薦連結不起作用，我應該怎麼辦？ | 請確保將連結正確複製並粘貼。如果問題持續存在，請聯繫Scallop的客服支持部門尋求幫助。 | | PROGRAM FAQ - Liquidation FAQ | | 清算常見問題集 | | | What is soft liquidation？ | When the risk level exceeds 100%, Scallop will only partially liquidate collateral to bring the risk level back to 100%. | 什麼是軟清算? | 當風險水平高於100%時，Scallop只會先清算抵押品的一部分，使風險水平再次等於100%的風險等級。 | | Does the Scallop system have notifications about liquidation? | Yes! In the upper right corner of the dApp, click on the bell icon to "manually" link your email and address for notification settings. It reminds you to add collateral; if not set up, Scallop's official notification cannot be carried out. | Scallop系統有關於清算的通知嗎? | 有！APP 右上角鈴鐺點進去，可以「自行」綁定信箱及地址設定通知，提醒添加抵押品；若是無設定，Scallop官方無法進行通知。 | | Others - Deposits FAQ | | 存款常見問題集 | | | Can deposits be used as collateral for loans? | Scallop adopts a lending model that separates the functions of collateralization and lending. Users cannot simultaneously earn interest on deposits while using the same asset as collateral for protocol borrowing. This design aims to protect the assets of users within the protocol, reduce user leverage ratios and capital utilization rates, and ensure that each loan is adequately collateralized. In extreme market conditions, it enhances risk tolerance and mitigates the occurrence of widespread liquidations. | 存款可以作為借款的抵押品嗎? | Scallop採用的借貸模型，分離抵押與放貸兩項功能，用戶不能同時獲取存款收益，又將該資產作為抵押品，向協議借款。此設計是為了保護協議內用戶的資產安全，降低用戶槓桿倍率與資金使用率，確保每筆借款都有足額的抵押品擔保，在極端行情下，有較高的風險承受能力，避免大量清算發生。 | | Discord FAQ | | Discord 常見問題集 | | | Why does APR always change ? | it's a SUI prize pool sharing by the lender, the lending amount change and SUI price change all are the reasons. | 為什麼年化利率（APR）總是會變化？ | 這是由出借人分享的SUI獎池，借款金額的變化和SUI價格的變動都是原因。 | | Common Questions and Answers for the current FUD on Borrowing Incentives | | 當前關於借貸激勵的FUD常見問題與解答 | | | Why am I not getting rewards after staking SCA for 4 years? | The staking event with rewards was set to end on March 22. This was announced from the start. Rewards for long-term stakers will come from different incentives to be announced. <insert link of Phase 3 staking> | 為什麼我將 SCA 質押了四年卻沒有獲得獎勵？

| 有獎勵的質押活動於3月22日結束，這在一開始就已經宣布。長期質押者的獎勵將來自不同的激勵措施，具體將會公佈。<插入第3階段質押的鏈接> | | Do I need to borrow to get any benefit from my 4-year SCA stake? | As of now, you need to borrow to get incentive. Borrowing is one of several ways to benefit. We're introducing various incentives to ensure all our stakers see returns, not just through borrowing. More incentive to be announced | 我需要借貸才能從我4年的SCA質押中獲得任何收益嗎？ | 截至目前，您需要借貸才能獲得激勵。借貸是獲得收益的幾種方式之一。我們正在推出各種激勵措施，以確保所有質押者都能看到回報，而不僅僅是通過借貸。更多激勵措施將會公佈。 | | Why can’t the lock period be shorter, like 180 days with weekly rewards? | Staking period can be adjusted based on your preference. You can even stake for a few days <Insert veSCA medium> | 為什麼鎖定期不能短一些，比如180天並提供每週獎勵？ | 質押期可以根據您的喜好進行調整。您甚至可以質押幾天。<插入 veSCA medium 的鏈接> | | So there are no rewards for locking SCA for 4 years, only for borrowing? | Rewards has been distributed from Staking event. If you staked on the first day, you will already receive back your initial capital. More incentive to be announced for veSCA holders | 所以將SCA鎖定四年沒有獎勵，只有借貸有獎勵嗎？ | 獎勵已從質押活動中分發。如果您在第一天進行了質押，您已經收回了您的初始本金。更多針對 veSCA 持有者的激勵將會宣布。 | | Is locking SCA for 4 years without immediate rewards considered utility? | The lock-in is part of a broader strategy to add value and stability. We're developing more direct benefits for veSCA holders, and updates will be shared soon. Furthermore, the locked duration is made by user. | 將 SCA 鎖定四年而沒有即時獎勵被視為實用性嗎？ | 鎖定期是增加價值和穩定性策略的一部分。我們正在為 veSCA 持有者開發更多直接的好處，並將很快分享更新。此外，鎖定的期限由用戶自行決定。 | | Why focus on borrowing incentives rather than lending incentives? | We started with borrowing incentives to encourage activity and liquidity on the platform, which in turn benefits lenders through fees. Lending incentives are on the way, aiming to directly reward those who lend their assets. Keep an eye out for updates! | 為什麼要專注於借貸激勵，而不是貸款激勵？ | 我們首先推出了借貸激勵，以鼓勵平台上的活動和流動性，進而通過費用使貸方受益。貸款激勵正在途中，旨在直接獎勵那些借出其資產的人。請密切關注更新！ | | Are the borrowing rewards active for the borrows that are already opened? or do I need to repay and then borrow again for tomorrow | if you hold $veSCA and has borrow, you will receive incentive | 借貸獎勵是否對已經開啟的借款有效？還是我需要還清然後明天再次借款？ | 如果您持有 $veSCA 並且有借貸，您將會收到激勵。 |