# Multi-Chain Lend (MCL) User Guide
{% hint style="info" %}
**Reminder:** Operations require transaction fees. Please prepare enough BNB in advance to avoid transaction failures.
{% endhint %}
#### 1. Download ONTO Wallet
* Visit the website to download
* Android users can open this link
to download
#### 2. Connect Wallet
**Create ONT ID** Set up your wallet name, password, and backup your mnemonic phrase!
If you already have a ONT ID wallet, you may choose to import your ONT ID digital identity wallet. Mnemonic Phrase, Keystore and other import methods supported.
{% hint style="info" %}
If it is not a newly created ONT ID , you need to create a **BSC** address. Look for "**BNB**" token in the token list on Asset Page, and then tap on it to bring up the address creation popup. Tap on the arrow button to proceed. Enter your wallet password to confirm and create your **BSC** address.
The link"Binance Smart Chain Transfers in ONTO":
{% endhint %}
#### 3. Add assets on the BSC (Take USDT\_BEP20 as an example)
* Click "**+**" on the Asset Page and search for USDT
* Find the corresponding USDT under the BSC and click "**+**" on the right to see the USDT\_BEP20 on the Asset Page. Click to enter the asset details page and click "**Receive**" to view the wallet address.
#### 4. Open Multi-Chain Lend's dApp
* Click on the "**Discover**" Page
* Search **Multi-Chain Lend**
* Click "**Confirm**" in the disclaimer pop-up window to enter the dApp
#### 5. Connect wallet
* Click on the "**≡**" symbol in the upper right corner of the page
* Click "**Connect Wallet**"
* Select "**ONTO Wallet**"
#### 6. Deposit assets (Take BNB as an example)
* Choose the asset you want to deposit
* Click "**Deposit**"under the asset
* Fill in the amount to be deposited or choose the proportion of the wallet balance to deposit
* Click "**Deposit**"
* Click "**Proceed**"
* Click "**Confirm**" in the pop-up window and enter the password to deposit successfully
#### 7. Withdraw deposited assets
* Click on the "**≡**" symbol in the upper right corner of the page
* Select "**Dashboard**"
* Select deposited assets
* Click“**Withdraw**”
* Click”**Proceed**“
* Click "**Confirm**" and enter the password to withdraw the assets
#### 8. Borrow assets (need to deposit a certain amount of assets before borrowing）
* Choose the asset you want to borrow
* Click“**Borrow**”under the asset
* Fill in the amount that needs to be borrowed or borrow according to the maximum borrowable amount, and click "**Borrow**"
* Select interest rate type (Variable interest rate or Stable interest rate), and click"**Proceed**"
* Click "**Proceed**" after confirming the borrow information on the next page
* Click "**Confirm**" and enter the password to complete the borrow
#### 9. Repay assets
* Click on the "**≡**" symbol in the upper right corner of the page
* Select“**Dashboard**”
* Click "**Borrow**" -> Click the assets to be repaid -> Click"**Repay"**
* Click“**Proceed**”
* Click "**Confirm**" and enter the password to repay the borrowed assets
#### 10. Withdraw reward
* Click on the "**≡**" symbol in the upper right corner of the page
* Select“**My Rewards**”
* Click“**Claim All to Wallet**”
* Click“**Claim All**”
* Click "**Confirm**" and enter the password to withdraw the reward
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# Agent Instructions: Querying This Documentation
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