> For the complete documentation index, see [llms.txt](https://document.sunprotocol.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://document.sunprotocol.io/zhi-neng-he-yue/jie-dai-he-yue.md).

# 借贷合约

借贷合约支持 USDT 出借报价、抵押 Bond/质押订单发起借款、撮合、还款与到期接管抵押品。

### 查询自己的记录

| 函数                                       | 返回                  |
| ---------------------------------------- | ------------------- |
| `getUserLendOffersByPage(user,page)`     | 用户发布的出借报价           |
| `getUserBorrowRequestsByPage(user,page)` | 用户发布的借款请求           |
| `getUserLenderLoansByPage(user,page)`    | 用户作为出借人的贷款          |
| `getUserBorrowerLoansByPage(user,page)`  | 用户作为借款人的贷款          |
| `getUserLoanIds(user)`                   | 用户作为出借人和借款人的全部贷款 ID |
| `getuserOrderByPage(user,page)`          | 当前可用于抵押的订单及其价值      |
| `getLoanDetail(loanId)`                  | 贷款详情和对应抵押订单         |

页码从 `1` 开始，每页 `20` 条。市场列表可使用 `getActiveLendOffersByPage`、`getActiveBorrowRequestsByPage` 和 `getActiveLoansByPage`。

### 状态值

* 出借报价：`1` 活跃、`2` 已撮合完、`3` 已取消。
* 借款请求：`1` 活跃、`2` 已撮合、`3` 已取消。
* 贷款：`1` 进行中、`2` 已还款、`3` 抵押品已被接管。

### 报价函数

| 函数                                                | 用途             |
| ------------------------------------------------- | -------------- |
| `quoteInterest(amount,dailyRateBps,durationDays)` | 计算总利息          |
| `quoteCollateralValue(collateralOrderId)`         | 查询抵押订单 USDT 价值 |
| `maxBorrowableByCollateral(collateralOrderId)`    | 查询该订单最多可借 USDT |

费率分母为 `1,000,000`。源码限制 `dailyRateBps` 为 0.1%–1.3%、`durationDays` 参数为 7–90、最高 LTV 为 70%。实际到期时间按 `durationDays × baseDuration()` 计算；当前源码把 `baseDuration` 初始化为 1 分钟，因此不要只根据参数名称把它理解为自然日，应读取 `baseDuration()`、贷款的 `dueTime` 和 `takeoverTime` 后再操作。

### 用户写入函数

* 出借人：`createLendOffer`、`cancelLendOffer`、`lendToRequest`。
* 借款人：`createBorrowRequest`、`cancelBorrowRequest`、`borrowFromOffer`、`repay`。
* 逾期处理：满足到期和宽限期条件后，出借人可调用 `takeOverCollateral`。


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