> ## 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. # List all loans > Returns a paginated list of loans you own, sorted by `createDate`, most recent first. ## OpenAPI ````yaml openapi/digital-asset-backed-borrowing.yaml get /v1/borrow/loans 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: get: tags: - Borrow Loans summary: List all loans description: | Returns a paginated list of loans you own, sorted by `createDate`, most recent first. operationId: listBorrowLoans parameters: - in: query name: status required: false schema: type: string enum: - active - closed - liquidated - failed description: Filter by loan status. - $ref: '#/components/parameters/PageBefore' - $ref: '#/components/parameters/PageAfter' - $ref: '#/components/parameters/PageSize' responses: '200': description: Successfully retrieved a list of loans. headers: X-Request-Id: $ref: '#/components/headers/XRequestId' content: application/json: schema: title: ListBorrowLoansResponse type: object properties: data: type: array items: $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' '400': $ref: '#/components/responses/BadRequest' '401': $ref: '#/components/responses/NotAuthorized' '403': $ref: '#/components/responses/Forbidden' security: - bearerAuth: [] components: parameters: PageBefore: name: pageBefore description: > A collection ID value used for pagination. It marks the exclusive end of a page. When provided, the collection resource will return the next `n` items before the id, with `n` being specified by `pageSize`. The items will be returned in the natural order of the collection. The resource will return the first page if neither `pageAfter` nor `pageBefore` are specified. SHOULD NOT be used in conjuction with pageAfter. in: query required: false schema: type: string PageAfter: name: pageAfter description: > A collection ID value used for pagination. It marks the exclusive begin of a page. When provided, the collection resource will return the next `n` items after the id, with `n` being specified by `pageSize`. The items will be returned in the natural order of the collection. The resource will return the first page if neither `pageAfter` nor `pageBefore` are specified. SHOULD NOT be used in conjuction with pageBefore. in: query required: false schema: type: string PageSize: name: pageSize description: > Limits the number of items to be returned. Some collections have a strict upper bound that will disregard this value. In case the specified value is higher than the allowed limit, the collection limit will be used. If avoided, the collection will determine the page size itself. in: query required: false schema: type: integer minimum: 1 example: 5 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: BadRequest: description: The request cannot be processed due to a client error. headers: X-Request-Id: $ref: '#/components/headers/XRequestId' content: application/json: schema: type: object title: BadRequest required: - code - message properties: code: type: integer example: 400 message: type: string example: Something went wrong. example: code: 400 message: Bad request. examples: response: value: code: 400 message: Bad request. 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 securitySchemes: bearerAuth: type: http scheme: bearer ````