# 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. --- # 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.astaria.xyz/concepts/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.