# Glossary

#### **Intent**

A borrow or lending offer on Astaria. Learn more about intent-based architecture [here](https://www.paradigm.xyz/2023/06/intents).

#### **LTV (Loan-to-value)**

The loan-to-value (LTV) ratio is a financial term used to express the ratio of a loan to the value of an asset purchased. The higher the LTV ratio, the riskier the loan is for a lender.

#### **APY (Annual percentage yield)**

The annual percentage yield (APY) is the interest rate earned on an investment in one year, including compounding interest. A higher APY represents a higher return.

#### **Oracle**

A service that connects blockchain protocols with external data sources.