# Official HLiquity Documentation
## Summary
HLiquity is a decentralized borrowing protocol allowing users to take out interest-free loans using HBAR as collateral. These loans are paid out in HCHF, a stablecoin pegged to the Swiss Franc (CHF), a currency recognized for its reliability and strength, and require a minimum collateral ratio of 110%.
The security of loans is enhanced through a Stability Pool containing HCHF, providing a safeguard to maintain the necessary collateral levels. Additionally, the collective backing by borrowers serves a comprehensive safety mechanism.
To explore the protocol's functionalities in detail, we encourage you to review the following comprehensive documentation.
**HLiquity operates as a non-custodial, immutable, and governance-free protocol.**
HLiquity refers to the Liquity protocol forked on Hedera
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[overview](https://docs.hliquity.org/overview)
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[deep-dive](https://docs.hliquity.org/deep-dive)
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{% content-ref url="fundamentals" %}
[fundamentals](https://docs.hliquity.org/fundamentals)
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[documentation](https://docs.hliquity.org/documentation)
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