> For the complete documentation index, see [llms.txt](https://beraborrow.gitbook.io/docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://beraborrow.gitbook.io/docs/overview/problem-solution.md).

# Problem / Solution

**Problem:** Users can either continue holding their `iBGT` or sell their `iBGT` and lose exposure.

**Solution:** Beraborrow solves this by allowing users to keep their `iBGT` holdings and take out an interest-free loan. When a user takes out an interest-free loan they receive Nectar `$NECT`stablecoin, unlocking further liquidity and enabling them to freely participate in the Berachain ecosystem without selling their `iBGT`. The`iBGT` is also staked while in the Den, meaning they earn yield while borrowing too.