> For the complete documentation index, see [llms.txt](https://docs.asymmetry.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.asymmetry.finance/ampusd-stablecoin/why-borrow-against-ampl-spot.md).
# Why borrow against AMPL/SPOT?
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While flatcoins offer significant benefits, they can complicate transactions in a predominantly dollar-based economy. AmpUSD gives users the ability to preserve purchasing power via SPOT, while transacting in a dollar-denominated currency.
SPOT provides distinct advantages when used with AmpUSD. The comparison below shows ETH’s price versus SPOT’s fair market value (FMV) over a six-month period (April - Sept 2024). Users borrowing against ETH would need to frequently manage their position to avoid liquidation. By contrast, users borrowing against SPOT can maintain a more stable position without constant oversight, reinforcing the “set it and forget it” principle.
AMPL is proven to be one of the most in-demand assets to borrow against via AAVE from the previous market cycle. With AmpUSD, AMPL holders now once again have a borrowing market for their AMPL, but this time, they can set their own interest rates and much more.
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