# Fee Model **Fixed Upfront Fee** Many borrowing protocols offer a variable borrowing Annual Percentage Rate (APR) determined by supply and demand. This can be quite inconvenient for users, as they need to constantly monitor their position to avoid liquidation. Recently, variable APRs have been known to increase quite drastically and suddenly. With Solido Protocol, you can enjoy interest-free borrowing with a one-time fee (currently 5%) transparently shown on the UI when you mint the stablecoins. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://solido-money.gitbook.io/solido/cash-protocol/fee-model.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.