# 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="https://442125110-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FGbmVIsiJFchsVf8GkrQQ%2Fuploads%2FNmagnk3JdolYUaEyXZR1%2FScreenshot%202024-04-11%20at%2012.02.32%20PM.png?alt=media&#x26;token=b6ec1592-06b8-4830-a5fa-eae00559616c" alt=""><figcaption></figcaption></figure>

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

<figure><img src="https://442125110-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FGbmVIsiJFchsVf8GkrQQ%2Fuploads%2F74QBjcBdCZjTznu8yLrR%2FScreenshot%202024-04-11%20at%2012.05.48%20PM.png?alt=media&#x26;token=1a5fc62e-19c7-4de5-aedb-03795418c7a8" 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="https://442125110-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FGbmVIsiJFchsVf8GkrQQ%2Fuploads%2FhCujC73weneJJlWy05dx%2FScreenshot%202024-04-11%20at%2012.32.13%20PM.png?alt=media&#x26;token=074bb6bb-d1ac-46c4-a89a-30ca31930f9c" 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