# Lending Users can deposit funds into the lending pool in exchange for iTokens. iTokens automatically increase in value as interest is generated. The height of the interest depends on the utilization rate and the interest curve. When users wish to withdraw their funds, they burn iTokens and exchange them to the underlying asset according to the current iToken price. It may not be possible to burn all iTokens at a time. Only assets currently available on the loan token contract may be withdrawn. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://build.sovryn.com/builder-portal/smart-contracts/lending-and-margin-trading-protocol/lending.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.