# Glossary

**What is APY?**

APY stands for Annual Percentage Yield. More information on APY can be found[ here](https://www.investopedia.com/terms/a/apy.asp).    

**What is loan-to-value (LTV)?** 

*LTV = Loan / Collateral Value \* 100%*

**What is 'current' loan-to-value (LTV)?**\
\
Current LTV is your loan-to-value ratio as of the most recent state of the network that Moola is aware of.

**What is 'new' loan-to-value (LTV)?**

New LTV is a simulated loan-to-value ratio. It is intended to show you what your loan-to-value ratio would be if the current asset you've selected and quantity you've input were submitted as a transaction to the network and confirmed in a block.\
\
**What is a collateral asset?**\
\
A collateral asset is any asset that is being used as collateral for a loan. This means that it can be liquidated if your Health Factor drops below 1. By default, all deposited assets are used as collateral.

**What is a debt asset?**

A debt asset is any asset that has been borrowed from Moola.

**Where can I find the mToken addresses?**

mCELO — [0x7d00cd74ff385c955ea3d79e47bf06bd7386387d](https://explorer.celo.org/tokens/0x7D00cd74FF385c955EA3d79e47BF06bD7386387D/token-transfers)

mcUSD — [0x918146359264c492bd6934071c6bd31c854edbc3](https://explorer.celo.org/tokens/0x918146359264C492BD6934071c6Bd31C854EDBc3/token-transfers)

mcEUR — [0xe273ad7ee11dcfaa87383ad5977ee1504ac07568](https://explorer.celo.org/tokens/0xE273Ad7ee11dCfAA87383aD5977EE1504aC07568/token-transfers)

mcREAL- [0x9802d866fdE4563d088a6619F7CeF82C0B991A55](https://explorer.celo.org/token/0x9802d866fdE4563d088a6619F7CeF82C0B991A55/token-transfers)

**Who created your icon?** 

The "[Bull](https://thenounproject.com/term/bull/2781765/)" icon was created by [Mat fine](https://thenounproject.com/matfine/) from [the Noun Project](http://thenounproject.com/).