> ## Documentation Index
> Fetch the complete documentation index at: https://docs.solana.vanna.finance/llms.txt
> Use this file to discover all available pages before exploring further.

# Health Factor

> Canonical 1.10 collateral-to-debt threshold, conservative rounding.

```text theme={null}
HF = collateral_usd / debt_usd
healthy ⇔ HF > 1.10
```

`BALANCE_TO_BORROW_THRESHOLD_WAD = 1.1e18`. The same constant gates new borrows and withdrawals.

USD values use 9 decimal nano-USD. Token amount × Pyth price is rescaled by price exponent and mint decimals.

| Side       | Rounding |
| ---------- | -------- |
| Collateral | Down     |
| Debt       | Up       |

That bias is deliberate. The protocol would rather reject a tight borrow than mark an account safer than it is.

Lite receipts are included when the remaining-accounts scan finds them. Omitting a position from the scan fails the instruction — you cannot hide debt.