> For the complete documentation index, see [llms.txt](https://docs.3adao.org/3a-protocol/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.3adao.org/3a-protocol/welcome-to-3a/quick-start.md).

# Quick Start

3A protocol allows users to deposit whitelisted tokens into a 3A Vault and borrow EURO3 at no recurring interest. Follow those steps to navigate the 3A app:

1. Go to[ app.3adao.org/vaults](http://app.3adao.org/vaults)
2. Click on “Create a Vault”

<figure><img src="/files/hF8q2aF483fwxiNu7x7t" alt=""><figcaption></figcaption></figure>

3. Select your desired collateral by clicking on the “Collateral” bar

<figure><img src="/files/GJK6nn4KWNikTZRPI2Xt" alt=""><figcaption></figcaption></figure>

4. Enter the amount of tokens you want to use as collateral in the “Deposit” section
5. Enter the amount of EURO3 in the “Borrow” section.&#x20;

Keep an eye on the Health Factor at the bottom of the screen. Lower number means higher risk; higher number means lower risk. The Health Factor is calculated real time and is color coded for your simplicity.<br>

<figure><img src="/files/SnC6dM0bdaNGjY3ooWjk" alt=""><figcaption></figcaption></figure>

There is a 0.5% fee calculated in EURO3 that gets charged at issuance. After that there is no interest on borrowed funds

6. Approve transaction and mint EURO3