Move the asset you plan to pledge onto Mantle, then supply it before borrowing. A lending protocol can only use collateral that is in the right network and accepted by its market. This guide takes you from funds on Ethereum to collateral ready for a position.
What do you need on Mantle first?
You need an asset the specific lending market accepts as collateral, plus a little ETH on Mantle for transaction fees. The asset you want to borrow is separate: supplying collateral does not automatically open a loan.
Check the market’s collateral list and its loan-to-value (LTV) limit before moving funds. LTV is the maximum loan value relative to your collateral value, and the protocol sets it per asset. For example, if a market’s LTV were 60%, $1,000 of collateral could support at most $600 in borrowing; that is an illustration, not a current market setting.
If your funds are on Ethereum, they must reach Mantle before you can supply them to a Mantle lending market. Mantle Bridge is the official route for transferring ETH, MNT, and supported tokens between the networks. For the full transfer walkthrough, see how Mantle Bridge moves assets; then return here to prepare the lending position.
How do you supply collateral before borrowing?
Follow these steps in order. The exact asset choices and limits depend on the lending market you use.
- Choose the lending market and collateral asset. Confirm that the market accepts your token as collateral, and note its LTV and liquidation threshold. The liquidation threshold is the point where the protocol may sell collateral to cover a risky loan.
- Move the required tokens to Mantle. Bridge the collateral amount and enough ETH for network fees. If the collateral is ETH, check whether the market requires ETH or wrapped ETH (WETH), a token representation used by some applications.
- Wait until the funds arrive, then verify the network and balances. Make sure the wallet is showing Mantle and that both the collateral token and fee ETH are present. A deposit on Ethereum is not yet available to a Mantle lending market.
- Supply the collateral to the market. Use its supply action for the chosen token, review the amount and transaction details, and approve the token if the protocol requests permission to use it. Supplying deposits the asset into the protocol; it does not by itself mean the asset is enabled as collateral.
- Enable collateral use and check the position. If the market has a separate collateral setting, turn it on for the supplied asset. Before borrowing, review the displayed borrowing power and leave room below the maximum: a price drop or accrued interest can push a position toward liquidation.
For a before-and-after example, suppose you hold 1 ETH on Ethereum and your chosen market accepts WETH. Before bridging, it cannot back a Mantle loan; after the transfer, wrapping if required, and supply, the market can count it as collateral. The decisive check is that the lending market recognizes the deposited asset as usable collateral, not simply that it appears in your wallet.
Before borrowing, check:
- The collateral token is accepted.
- The deposit arrived on Mantle.
- Collateral use is enabled.
- You have ETH for fees and a buffer below the borrowing limit.