# Main borrower benefits The borrower has access in a few clicks to an instant fixed-rate loan with the best rates on the market. The Kairos protocol was built from the ground up with the goal of providing the best possible user experience for the borrower. The borrower is guaranteed to have: * the best terms on the market * instant borrowing * no liquidation during the term of the loan * maintain utility of the NFT in the next version --- # 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://userdoc.kairos.loan/faq/main-borrower-benefits.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.