# VECTORS

**UNBRK™ Protocol** provides infrastructure for secured lending of liquidity at fixed rates and terms.

All borrowing on **UNBRK™** is overcollateralized and time-bound by default.\
Therefore, all borrowers inherit collateralization risk and temporal risk by default.<br>

**NOTE:**

* **Borrowers opting into rollovers eliminate the temporal risk vector for that position.**
* **For this reason, it is strongly recommended for borrowers on UNBRK™ to opt-in to rollovers and avail ADL-based settlement at maturity to eliminate unnecessary liquidations. See 'ROLLOVERS' for more info on ADL-based settlement.**

A borrower with no debt does not bear any risk, and can always withdraw all collateral they deposited into **UBKCollateralVault**.\ <br>

<figure><img src="/files/IUTeDu6RNEH8ER2DfngC" alt=""><figcaption></figcaption></figure>

\
A borrower loan position in a **UBKLiqudityPool** is considered unhealthy based on one of two conditions:

* The borrower becomes undercollateralized, meaning their collateral value does not adequately derisk their ongoing debt.
* Some pool-specific loan is past due and the borrower did not opt-in to rollovers for that position.

**NOTE: Undercollateralization is a global risk vector, while past due loans are a pool-specific risk vector.**

<figure><img src="/files/LaOYfUT77cJ7s4ZtlChm" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/gUkQ54sUIovbK6FTGSEI" alt=""><figcaption></figcaption></figure>


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