The most common scenario for ordinary users to use pledged loans is mining (Launchpool, PoolX), where the mining pool often specifies a certain currency. The advantage arises when the user does not have this coin in their hands. For example, if I only have BGB, but the recently released PoolX AB can also participate with BTC and ETH in addition to BGB, then I will mortgage BGB to exchange BTC and ETH to mine AB. The most important thing is that there is no risk of losing principal when borrowing, and the interest under the discount is profit (the higher the VIP, the higher the interest rate discount, up to 20%)