# FAQs

1. **Why has my collateral gone to 0 in the vaults?**\
   It is likely that you have been [liquidated](https://oin-finance.gitbook.io/925/how-the-system-works/liquidation). Liquidation occurs when your Collateralization Ratio (C-ratio) reaches below 160%. 
2. **Why my stablecoin are gone from the stability pool?**\
   Your stablecoins have been used to process [liquidations](https://oin-finance.gitbook.io/925/how-the-system-works/liquidation#what-is-the-stability-pool), and in return you will have received proceeds from those liquidations. Check your "Rewards" page on the left to see and claim those proceeds.
3. **If I borrowed additional stablecoins, will my OIN reward go back to zero?**\
   No. Your rewards have already been allocated to your vault, and taking additional stablecoins will have no effect.
4. **How does the C-ratio work?**\
   The [C-ratio is simply how much collateral you have per stablecoin borrowed](https://oin-finance.gitbook.io/925/how-the-system-works/borrowing#collateralization-ratio-c-ratio), defined as: $$C.ratio = Collateral($)/Stablecoins($)$$. If the C-ratio falls below 160%, you will be liquidated, so be sure to increase your ratio by either paying back some debt, or depositing more collateral.
5. **What should I keep my C-ratio as?**\
   There is no "correct" answer as users have their own risk tolerance levels and different uses of our platform. We do recommend however, that a healthy level as 300%, and recommend going no lower than 200%.
6. **What happen if my C-ratio is below than recommended?**\
   At below 200%, you are in higher risk of liquidation. For example, if the price of the collateral falls by 20%, your C-ratio will hit 160% and may be liquidated. Always keep an eye on your C-ratios to prevent liquidations.
7. **How much is the interest rate to borrow?**\
   The Stability Fee is currently at 2% / yr.