# System Risk Patronus enables users to deposit and borrow crypto assets through the pooling of funds. Depositors receive protocol-issued interest bearing pTokens, which gather deposits and the interest generated. The following constraints should be soundly considered when adding assets in Patronus Protocol: **Each additional asset will slightly increase the gas cost of the borrow and redeem actions permanently.** The asset must be included in the smart contract, adding complexity and thus costs. **Each asset added to Patronus protocol as collateral will increase the protocol risk of insolvency.** From a financial perspective, the assets of Patronus Protocol are the collateral assets, while the liabilities are the borrowed amounts. Most of the collaterals are assets with large market volatility, while most of the borrowed assets are stable assets with good stability. This means Patronus protocol is heavily exposed to the failure of supported collateral systems as well as market fluctuations. **Assets only enabled for depositing and borrowing bring lower risk for the protocol.** Assets which can only be used for borrowing should always be excessively backed by other assets as the collaterals. Therefore, when selecting and adding new assets, Patronus will conduct 【Asset Rating 】and for such assets, so as to maintain the security and stability of the system. --- # 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://wiki.patronus.fi/financial-model/system-risk.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.