# Borrowing

Borrowers can repay or borrow more PAR/paUSD at any time, within the limits of the MCR. Borrowing alters the total supply of outstanding PAR/paUSD. When one borrows, the Vaults contract mints new PAR/paUSD tokens for them.

![](/files/-MeOONh2d7zIEPYJ5oQ4)

Borrowers can continue to mint PAR/paUSD as long as they deposit a greater value of collateral in their vault. This guarantees that all outstanding PAR/paUSD are fully backed by sufficient collateral.


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