> For the complete documentation index, see [llms.txt](https://docs.altitude.fi/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.altitude.fi/general/protocol-overview/optimizing-borrowing-rates.md).

# Optimizing Borrowing Rates

Borrow rates fluctuate constantly across DeFi lending pools as utilization changes. Altitude monitors these rates continuously to see when more advantageous rates become available.

When Altitude finds a lower rate on an integrated protocol like Aave or Morpho, it refinances your loan to capture that rate. No manual monitoring required.