# Users FAQ #### Do I need to deposit collateral to use Nemeos split payment solution ? No you don't need to deposit collateral to use our protocol, because each loan is secured by the acquired asset itself. The objective is to make the user journey the smoothest possible. #### What will happen if I don't pay back ? The wrapped version of the NFT will be destroyed and the real NFT will be sold on a dutch auction sale. #### What is the cost of using Nemeos split payment solution ? Costs will depend on collections and partnerships. Liquidity providers decide at which rate they're willing to lend for each collection, and the final rate will be the weighted average of all liquidity deposited. Depending on integrations with projects, the interest rates will be paid either by users or by projects (like in web2). --- # 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://docs.nemeos.finance/faq/users-faq.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.