# 4-Step Flow (diagram + bullets)

## Quick Start — 4-Step Flow (StepFlow)

### 1. Submit OTC Request (1–2 min)

* Fill the short form:
  * **Wallet**: Arbitrum
  * **Asset to Borrow**: USDT / USDC / ETH / BTC (WBTC)
  * **Amount**
  * **Duration Intent**
  * **Contact**
* We confirm basic fit (eligibility, caps) and send an indicative quote (APR, funding pass-through if hedged, LTV band, fees).
* **Quote Validity**: Up to 4h or until system caps are hit.

### 2. Approve & Receive Deposit Addresses

* On acceptance, you receive per-position on-chain addresses (0FX collateral deposit + repayment).
* You also receive the action window rules (24h) and your position reference ID.

### 3. Fund & Disbursement (≤24h)

* Deposit 0FX collateral to the provided address (tx hash required).
* We verify on-chain, execute coverage where needed (USDT/USDC/BTC), then disburse to your wallet: USDT/USDC/ETH/BTC.
* You receive all transaction hashes (collateral, hedge/disbursement).

### 4. Ongoing Management (Open-Ended)

* **Default** = auto-roll: we keep your LTV inside band; you can add collateral or repay anytime.
* If thresholds are hit, we ping you; you have 24h to act (add collateral / partial repay).
* On full repayment (principal + accrued), collateral is released.
* If no action in the window, impact-aware liquidation (TWAP) may occur.