> For the complete documentation index, see [llms.txt](https://docs.unlockd.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.unlockd.finance/protocol-mechanics/collateral-valuation.md). # Collateral Valuation Unlockd collaborates with specialized third-party experts to overcome the limitations of onchain RWA appraisals. By partnering with these experts, we ensure that each asset is appraised accurately and fairly. These experts employ diverse models, input variables, and advanced Data Science techniques to assess the value of each asset individually. This meticulous approach ensures that the valuations are not only precise but also reflective of the true worth of each asset. The appraised values, along with their error bounds, are then integrated into Unlockd's Dynamic Loan-to-Value (LTV) Model. This integration allows for a more accurate and individualized borrowing amount for each asset. By combining expert appraisals with our advanced LTV model, we provide borrowers with fair and precise loan amounts, ensuring that each asset's unique characteristics and value are accurately reflected in the lending process. --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## 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.unlockd.finance/protocol-mechanics/collateral-valuation.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.