# 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/). --- # 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.moola.market/glossary.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.