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Unit Protocol is a decentralized borrowing platform that utilizes the Collateralized Debt Position (CDP) model. This model allows Unit Protocol's users to mint its native stablecoin USDP from a wide variety of crypto assets. There is no fixed repayment period, as long as the price stays above the liquidation price. If the price of LDO falls below the liquidated price, and you do not add additional funds, your CDP will be subject to liquidation. A higher utilization ratio allows users to borrow more USDP but also exposes the user to higher liquidation risk.