# Borrow Borrow contracts follows ERC20 standard while using some mathematics of EIP 4626 to maintain the relationship between total debt and dTokens issued. dTokens are debt tokens that are issues when a user takes a loan and burnt on repayment/liquidation of loan. dTokens represent the share of total debt issued by the contract. They help determine the amount to be paid by user during repayment. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.hashstack.finance/developers/supply-and-borrow/borrow.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.