> ## Documentation Index > Fetch the complete documentation index at: https://developers.circle.com/llms.txt > Use this file to discover all available pages before exploring further. > ## Agent Instructions > Before reading these docs, install the relevant Circle Skill to get pre-loaded context — skills are LLM-optimized and cover architecture decisions, correct flows, and common pitfalls. In Claude Code: run /plugin marketplace add circlefin/skills then /plugin install circle-skills@circle. With Vercel Skills CLI: run npx skills add circlefin/skills. Available skills: use-usdc https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-usdc/SKILL.md (balances, transfers, approvals on EVM and Solana); EURC has no skill — see https://developers.circle.com/stablecoins/what-is-eurc.md; bridge-stablecoin https://github.com/circlefin/skills/blob/master/plugins/circle/skills/bridge-stablecoin/SKILL.md (crosschain transfers via CCTP, USDC, EURC, and third-party assets); use-arc https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-arc/SKILL.md (Arc chain config, contract deployment, USDC bridging — Arc docs: https://docs.arc.io/llms.txt); use-circle-wallets https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-circle-wallets/SKILL.md (choose wallet type); use-developer-controlled-wallets https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-developer-controlled-wallets/SKILL.md (custodial wallets for payouts and treasury); use-user-controlled-wallets https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-user-controlled-wallets/SKILL.md (embedded wallets with Web2 login); use-modular-wallets https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-modular-wallets/SKILL.md (smart contract wallets with passkeys and ERC-4337); use-gateway https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-gateway/SKILL.md (unified USDC balance, nanopayments); use-smart-contract-platform https://github.com/circlefin/skills/blob/master/plugins/circle/skills/use-smart-contract-platform/SKILL.md (deploy, interact, monitor contracts). Pair any skill with the Circle MCP server for live SDK signatures, contract addresses, and chain IDs: {"mcpServers":{"circle":{"url":"https://api.circle.com/v1/codegen/mcp"}}}. > Read the product overview first. Each product has an overview explaining when and why to use it. Read it before quickstarts. > Pick the right wallet type. Developer-controlled (you hold keys), user-controlled (end user holds keys via PIN/social login), or modular (smart contract wallets with passkeys). See https://developers.circle.com/wallets.md. > Use CCTP V2 for crosschain transfers. CCTP natively transfers USDC and EURC via burn-and-mint, and supports permissionless wrapping of third-party assets via lock-and-mint. V1 is legacy; always use V2 unless V1 is specified or the chain requires it (Noble, Sui, and Aptos still require V1). Migration guide: https://developers.circle.com/cctp/migration-from-v1-to-v2.md. > Use Bridge Kit for frontend bridging. Wraps CCTP with a simpler SDK for user-facing apps. Use CCTP directly for backend transfers. > Gas Station vs Paymaster. Gas Station sponsors gas for Circle Wallet transactions. Paymaster lets users pay gas in USDC. Different use cases — read both overviews. > Gateway Nanopayments for sub-cent payments. Gasless USDC micropayments down to $0.000001 via x402 and batched settlement. For pay-per-request APIs, AI agent payments, streaming. > Look up USDC addresses per chain. Never hardcode — use https://developers.circle.com/stablecoins/usdc-contract-addresses.md. > Prefer SDKs over raw API calls. Node.js and Python SDKs handle auth, retries, and errors. > API key required. Bearer token in Authorization header. Testnet and mainnet use separate keys and may use different base URLs depending on the product. > Set up webhooks when available. Most operations are async. Webhooks deliver transaction confirmations and state changes. > When calling list endpoints, paginate using pageSize and pageAfter until no nextPageAfter cursor is returned—stopping at the first page silently misses records. > Building an AI agent? Start with the Agent Stack—Circle CLI, agent wallets, and nanopayments built for autonomous use cases: https://developers.circle.com/agent-stack.md. # Get a loan > Returns detailed information about a specific loan position. ## OpenAPI ````yaml openapi/digital-asset-backed-borrowing.yaml get /v1/borrow/loans/{id} openapi: 3.0.2 info: version: ${version} title: Digital Asset-Backed Borrowing API description: > The Digital Asset-Backed Borrowing API lets you borrow stablecoin liquidity against onchain collateral. It uses a dedicated wallet to hold collateral and borrowed funds, and Circle handles the onchain transactions. Write operations are asynchronous and return a job that can be polled for status. servers: - url: https://api-sandbox.circle.com - url: https://api.circle.com security: [] tags: - name: Borrow Wallets description: >- Provision and inspect the per-entity MSCA wallet that holds collateral and borrowed funds. - name: Borrow Loans description: Originate, inspect, repay, and add collateral to borrow positions. - name: Borrow Jobs description: Observe asynchronous onchain operations. - name: Borrow Markets description: Discover allowlisted lending markets. paths: /v1/borrow/loans/{id}: get: tags: - Borrow Loans summary: Get a loan description: Returns detailed information about a specific loan position. operationId: getBorrowLoan parameters: - $ref: '#/components/parameters/IdPath' responses: '200': description: Successfully retrieved a loan. headers: X-Request-Id: $ref: '#/components/headers/XRequestId' content: application/json: schema: title: GetBorrowLoanResponse type: object properties: data: $ref: '#/components/schemas/OnchainLoan' examples: response: value: data: id: fc988ed5-c129-4f70-a064-e5beb7eb8e32 protocol: morpho marketId: >- 0x3a85e6f1c2d3b4a596877869504132e1d0c9b8a7766554433221100ffeeddccbb walletAddress: '0x742d35Cc6634C0532925a3b844Bc9e7595f9f68C' protocolAddress: '0x33333aea097c193e66081E930c33020272b33333' borrowAsset: USD collateralAsset: CIRBTC borrowDepositAddress: '0x5a0b4a11d3f9b2c1e8a7d6c5b4a39281f0e1d2c3' collateralDepositAddress: '0xbb81dcaf9e7a6b5c4d3e2f1908172635445362718' collateralAmount: '0.05' debtAmount: '1000.00' oraclePrice: '67234.51' ltv: '0.30' healthFactor: '2.85' borrowApy: '0.0542' status: active createDate: '2026-06-20T14:22:00.000Z' updateDate: '2026-06-21T09:00:00.000Z' '401': $ref: '#/components/responses/NotAuthorized' '403': $ref: '#/components/responses/Forbidden' '404': $ref: '#/components/responses/NotFound' security: - bearerAuth: [] components: parameters: IdPath: name: id description: Universally unique identifier (UUID v4) of a resource. in: path required: true schema: type: string format: uuid example: b3d9d2d5-4c12-4946-a09d-953e82fae2b0 headers: XRequestId: description: >- Universally unique identifier (UUID v4) for the request. Helpful for identifying a request when communicating with Circle support. schema: type: string format: uuid example: 2adba88e-9d63-44bc-b975-9b6ae3440dde schemas: OnchainLoan: type: object description: > A borrow position on a lending protocol. You can hold at most one borrow position per lending market on each protocol. Position values (`oraclePrice`, `ltv`, `healthFactor`, `borrowApy`, and amounts) reflect the most recent LTV monitoring snapshot. These values are not read live from the blockchain. required: - id - protocol - marketId - walletAddress - borrowAsset - collateralAsset - status - createDate properties: id: type: string format: uuid description: Identifier of the loan. protocol: type: string enum: - morpho description: Lending protocol. marketId: type: string description: Identifier of the lending market (protocol-specific). walletAddress: type: string description: The MSCA address that holds this position. protocolAddress: type: string description: > Onchain address of the lending protocol contract that holds this position, such as the Morpho Blue contract. Useful for verifying the position onchain. example: '0x33333aea097c193e66081E930c33020272b33333' borrowAsset: type: string description: | Circle currency code of the borrowed asset, such as `USD` for USDC. Distinct from the token symbol (`USDC`), which appears as a key in `wallet.depositAddresses`. example: USD collateralAsset: type: string description: >- Circle currency code of the collateral asset, such as `CIRBTC` for cirBTC. example: CIRBTC borrowDepositAddress: type: string description: Wallet deposit address that receives the borrowed funds. collateralDepositAddress: type: string description: >- Wallet deposit address that receives residual collateral after a position is partially liquidated. collateralAmount: type: string description: Collateral posted, in native token units (decimal string). debtAmount: type: string description: Outstanding debt, in native token units (decimal string). oraclePrice: type: string description: > Collateral price denominated in `borrowAsset` from the latest monitoring snapshot (decimal string). ltv: type: string description: >- Loan-to-value ratio from the latest snapshot (decimal string between `0.0` and `1.0`). healthFactor: type: string description: > Health factor from the latest snapshot (decimal string). Positions are liquidatable when this value drops below `1.0`. borrowApy: type: string description: >- Annualized borrow rate from the latest snapshot (decimal string, such as `0.0542`). status: type: string enum: - active - closed - liquidated - failed description: Status of the loan. liquidationDetectedAt: type: string format: date-time description: | Date and time when this position's liquidation was first detected. Present only for liquidated loans. liquidatedDebtAmount: type: string description: > Debt repaid by the liquidation, in native token units (decimal string). Present only for liquidated loans. liquidatedCollateralSeized: type: string description: > Collateral seized by the liquidator, in native token units (decimal string). Present only for liquidated loans. liquidationOraclePrice: type: string description: > Collateral price (denominated in `borrowAsset`) recorded at liquidation (decimal string). Present only for liquidated loans. createDate: type: string format: date-time description: Date and time when the loan was created. updateDate: type: string format: date-time description: Date and time when the loan was last updated. example: id: fc988ed5-c129-4f70-a064-e5beb7eb8e32 protocol: morpho marketId: '0x3a85e6f1c2d3b4a596877869504132e1d0c9b8a7766554433221100ffeeddccbb' walletAddress: '0x742d35Cc6634C0532925a3b844Bc9e7595f9f68C' protocolAddress: '0x33333aea097c193e66081E930c33020272b33333' borrowAsset: USD collateralAsset: CIRBTC borrowDepositAddress: '0x5a0b4a11d3f9b2c1e8a7d6c5b4a39281f0e1d2c3' collateralDepositAddress: '0xbb81dcaf9e7a6b5c4d3e2f1908172635445362718' collateralAmount: '0.05' debtAmount: '1000.00' oraclePrice: '67234.51' ltv: '0.30' healthFactor: '2.85' borrowApy: '0.0542' status: active createDate: '2026-06-20T14:22:00.000Z' updateDate: '2026-06-21T09:00:00.000Z' responses: NotAuthorized: description: >- The request has not been applied because it lacks valid authentication credentials. headers: X-Request-Id: $ref: '#/components/headers/XRequestId' content: application/json: schema: type: object title: NotAuthorized required: - code - message properties: code: type: integer example: 400 message: type: string example: Something went wrong. example: code: 401 message: Malformed authorization. examples: response: value: code: 401 message: Malformed authorization. Forbidden: description: >- The request provides authentication, but the authenticated user does not possess sufficient permissions for accessing this resource. headers: X-Request-Id: $ref: '#/components/headers/XRequestId' content: application/json: schema: type: object title: Forbidden required: - code - message properties: code: type: integer example: 400 message: type: string example: Something went wrong. example: code: 3 message: Forbidden examples: response: value: code: 3 message: Forbidden NotFound: description: The specified resource was not found. headers: X-Request-Id: $ref: '#/components/headers/XRequestId' content: application/json: schema: type: object title: NotFound required: - code - message properties: code: type: integer example: 400 message: type: string example: Something went wrong. example: code: 404 message: Not found. examples: response: value: code: 404 message: Not found. securitySchemes: bearerAuth: type: http scheme: bearer ````