> For the complete documentation index, see [llms.txt](https://docs.replete.fi/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.replete.fi/core-functions/withdraw.md).

# Withdraw

Users can easily **withdraw** their collateral-enabled assets in full if there is no outstanding debt and the collateral is not actively used for borrowing. If a user has incurred debt, they can withdraw collateral above a threshold that would trigger liquidation, indicated by the Health Factor dropping below 1.

{% hint style="warning" %}
Withdrawing lowers your health factor, raising the risk of liquidation.
{% endhint %}

When no sufficient liquidity is available within the protocol to facilitate a withdrawal, a user may need to wait for additional liquidity from either suppliers or repayments from borrowers to be able to withdraw. 

Additionally, when a user wants to withdraw to a chain other than the pool chain, the size of the withdrawal can be limited to the available liquidity on the destination network.

### Learn more

<table data-card-size="large" data-view="cards"><thead><tr><th></th><th></th><th data-hidden></th><th data-hidden data-card-cover data-type="files"></th><th data-hidden data-card-target data-type="content-ref"></th></tr></thead><tbody><tr><td><strong>For users</strong></td><td>How to <strong>withdraw</strong> your assets to any chain.</td><td></td><td><a href="/files/YNBTC7LlwTCF5Ztytv8n">/files/YNBTC7LlwTCF5Ztytv8n</a></td><td><a href="/pages/VfjTyq4cL7oGwsvUMirk">/pages/VfjTyq4cL7oGwsvUMirk</a></td></tr><tr><td><strong>For devs</strong></td><td>How to <strong>withdraw</strong> your assets using code.</td><td></td><td><a href="/files/3Cjpdx7Vs8TPI0WYqKyy">/files/3Cjpdx7Vs8TPI0WYqKyy</a></td><td><a href="/pages/0k9qgXr2ZVSNV2ONYq5i">/pages/0k9qgXr2ZVSNV2ONYq5i</a></td></tr></tbody></table>

***

## Withdraw architecture

In order for user to withdraw to connected chains, Replete utilizes a similar architecture to supplying, please refer to [Supply](/core-functions/supply.md) to learn more.

Major difference revolves around when a user initiates a withdrawal, an additional signature from the user is required to authorize Replete Protocol to withdraw on their behalf. This measure is essential to mitigate smart contract risks during the withdrawal process, allowing the protocol to execute withdrawals on behalf of users within the specified allowance.

<figure><img src="/files/JAmB1aGdMVZ4cbCgk1CI" alt=""><figcaption><p>Example of a withdrawal call the withdrawal architecture</p></figcaption></figure>

{% hint style="danger" %}
Withdrawals are contingent to collateral not being used for debt and the user not being at immediate risk of liquidation (Health Factor below 1)
{% endhint %}

#### rToken

When a user deposits assets in the protocol [rTokens](/core-functions/supply/how-to-supply.md#receive-rtokens) are minted. The value of the rTokens are pegged to the corresponding deposited asset at a 1:1 ratio.

When withdrawing assets, the rTokens are burned and the underlying assets are redeemed plus accrued fees.

### Learn about

<table data-view="cards"><thead><tr><th></th><th></th><th data-hidden></th><th data-hidden data-card-cover data-type="files"></th><th data-hidden data-card-target data-type="content-ref"></th></tr></thead><tbody><tr><td><strong>Supply</strong></td><td>Learn more about supplying from any chain.</td><td></td><td><a href="/files/3WdrNHdNCEPUhof1rECz">/files/3WdrNHdNCEPUhof1rECz</a></td><td><a href="/pages/FjR6Uc1Bd8QRSluPrLTb">/pages/FjR6Uc1Bd8QRSluPrLTb</a></td></tr><tr><td><strong>Borrow</strong></td><td>Learn more about borrowing to any chain.</td><td></td><td><a href="/files/6bXwEbhcSeuSzr22r64V">/files/6bXwEbhcSeuSzr22r64V</a></td><td><a href="/pages/hdffH1MijvSKXSTmoOaB">/pages/hdffH1MijvSKXSTmoOaB</a></td></tr><tr><td><strong>Repay</strong></td><td>Learn more about repaying from any chain.</td><td></td><td><a href="/files/XnIz4wgiWxrQghMKz6wU">/files/XnIz4wgiWxrQghMKz6wU</a></td><td><a href="/pages/A8Kt18cWJNc1RSCyQphV">/pages/A8Kt18cWJNc1RSCyQphV</a></td></tr></tbody></table>


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