diff --git a/components/CreditManager/index.tsx b/components/CreditManager/index.tsx
index 461f3d64..20121620 100644
--- a/components/CreditManager/index.tsx
+++ b/components/CreditManager/index.tsx
@@ -128,7 +128,7 @@ const CreditManager = () => {
                         })}
                     </div>
                     <div className="flex-1">
-                      {(Number(marketsData?.[coin.denom].borrow_rate) * 100).toFixed(1)}%
+                      -{(Number(marketsData?.[coin.denom].borrow_rate) * 100).toFixed(1)}%
                     </div>
                   </div>
                 ))}
diff --git a/config/contracts.ts b/config/contracts.ts
index 08df9365..8377ae26 100644
--- a/config/contracts.ts
+++ b/config/contracts.ts
@@ -1,8 +1,13 @@
 // https://github.com/mars-protocol/rover/blob/master/scripts/deploy/addresses/osmo-test-4.json
-export const contractAddresses = {
+export const roverContracts = {
   accountNft: 'osmo1dravtyd0425fkdmkysc3ns7zud05clf5uhj6qqsnkdtrpkewu73q9f3f02',
   mockVault: 'osmo1emcckulm2mkx36xeanhsn3z3zjeql6pgd8yf8a5cf03ccvy7a4dqjw9tl7',
   marsOracleAdapter: 'osmo1cw6pv97g7fmhqykrn0gc9ngrx5tnky75rmlwkzxuqhsk58u0n8asz036g0',
   swapper: 'osmo1w2552km2u9w4k2gjw4n8drmuz5yxw8x4qzy6dl3da824km5cjlys00x3qp',
   creditManager: 'osmo18dt5y0ecyd5qg8nqwzrgxuljfejglyh2fjd984s8cy7fcx8mxh9qfl3hwq',
 }
+
+export const contractAddresses = {
+  ...roverContracts,
+  redBank: 'osmo1w5rqrdhut890jplmsqnr8gj3uf0wq6lj5rfdnhrtl63lpf6e7v6qalrhhn',
+}
diff --git a/hooks/useBorrowFunds.tsx b/hooks/useBorrowFunds.tsx
index e873e9d2..d91d5d98 100644
--- a/hooks/useBorrowFunds.tsx
+++ b/hooks/useBorrowFunds.tsx
@@ -10,6 +10,7 @@ import { contractAddresses } from 'config/contracts'
 import { hardcodedFee } from 'utils/contants'
 import useCreditManagerStore from 'stores/useCreditManagerStore'
 import { queryKeys } from 'types/query-keys-factory'
+import { getTokenDecimals } from 'utils/tokens'
 
 const useBorrowFunds = (
   amount: string | number,
@@ -36,6 +37,8 @@ const useBorrowFunds = (
   }, [address])
 
   const executeMsg = useMemo(() => {
+    const tokenDecimals = getTokenDecimals(denom)
+
     if (!withdraw) {
       return {
         update_credit_account: {
@@ -45,7 +48,7 @@ const useBorrowFunds = (
               borrow: {
                 denom: denom,
                 amount: BigNumber(amount)
-                  .times(10 ** 6)
+                  .times(10 ** tokenDecimals)
                   .toString(),
               },
             },
@@ -62,7 +65,7 @@ const useBorrowFunds = (
             borrow: {
               denom: denom,
               amount: BigNumber(amount)
-                .times(10 ** 6)
+                .times(10 ** tokenDecimals)
                 .toString(),
             },
           },
@@ -70,14 +73,14 @@ const useBorrowFunds = (
             withdraw: {
               denom: denom,
               amount: BigNumber(amount)
-                .times(10 ** 6)
+                .times(10 ** tokenDecimals)
                 .toString(),
             },
           },
         ],
       },
     }
-  }, [amount, denom, withdraw, selectedAccount])
+  }, [withdraw, selectedAccount, denom, amount])
 
   return useMutation(
     async () =>
@@ -90,6 +93,7 @@ const useBorrowFunds = (
     {
       onSettled: () => {
         queryClient.invalidateQueries(queryKeys.creditAccountsPositions(selectedAccount ?? ''))
+        queryClient.invalidateQueries(queryKeys.redbankBalances())
 
         // if withdrawing to wallet, need to explicility invalidate balances queries
         if (withdraw) {
diff --git a/hooks/useCalculateMaxBorrowAmount.tsx b/hooks/useCalculateMaxBorrowAmount.tsx
index 6d3b0c4c..3e89abf3 100644
--- a/hooks/useCalculateMaxBorrowAmount.tsx
+++ b/hooks/useCalculateMaxBorrowAmount.tsx
@@ -6,6 +6,7 @@ import { getTokenDecimals } from 'utils/tokens'
 import useCreditAccountPositions from './useCreditAccountPositions'
 import useMarkets from './useMarkets'
 import useTokenPrices from './useTokenPrices'
+import useRedbankBalances from './useRedbankBalances'
 
 const useCalculateMaxBorrowAmount = (denom: string, isUnderCollateralized: boolean) => {
   const selectedAccount = useCreditManagerStore((s) => s.selectedAccount)
@@ -13,9 +14,10 @@ const useCalculateMaxBorrowAmount = (denom: string, isUnderCollateralized: boole
   const { data: positionsData } = useCreditAccountPositions(selectedAccount ?? '')
   const { data: marketsData } = useMarkets()
   const { data: tokenPrices } = useTokenPrices()
+  const { data: redbankBalances } = useRedbankBalances()
 
   return useMemo(() => {
-    if (!marketsData || !tokenPrices || !positionsData) return 0
+    if (!marketsData || !tokenPrices || !positionsData || !redbankBalances) return 0
 
     const getTokenTotalUSDValue = (amount: string, denom: string) => {
       // early return if prices are not fetched yet
@@ -27,6 +29,7 @@ const useCalculateMaxBorrowAmount = (denom: string, isUnderCollateralized: boole
         .toNumber()
     }
 
+    // max ltv adjusted collateral
     const totalWeightedPositions = positionsData?.coins.reduce((acc, coin) => {
       const tokenWeightedValue = BigNumber(getTokenTotalUSDValue(coin.amount, coin.denom)).times(
         Number(marketsData[coin.denom].max_loan_to_value)
@@ -35,6 +38,7 @@ const useCalculateMaxBorrowAmount = (denom: string, isUnderCollateralized: boole
       return tokenWeightedValue.plus(acc).toNumber()
     }, 0)
 
+    // total debt value
     const totalLiabilitiesValue = positionsData?.debts.reduce((acc, coin) => {
       const tokenUSDValue = BigNumber(getTokenTotalUSDValue(coin.amount, coin.denom))
 
@@ -44,20 +48,31 @@ const useCalculateMaxBorrowAmount = (denom: string, isUnderCollateralized: boole
     const borrowTokenPrice = tokenPrices[denom]
     const tokenDecimals = getTokenDecimals(denom)
 
+    let maxValue
     if (isUnderCollateralized) {
-      return BigNumber(totalLiabilitiesValue)
+      // MAX TO CREDIT ACCOUNT
+      maxValue = BigNumber(totalLiabilitiesValue)
         .minus(totalWeightedPositions)
         .div(borrowTokenPrice * Number(marketsData[denom].max_loan_to_value) - borrowTokenPrice)
         .decimalPlaces(tokenDecimals)
         .toNumber()
     } else {
-      return BigNumber(totalWeightedPositions)
+      // MAX TO WALLET
+      maxValue = BigNumber(totalWeightedPositions)
         .minus(totalLiabilitiesValue)
         .div(borrowTokenPrice)
         .decimalPlaces(tokenDecimals)
         .toNumber()
     }
-  }, [denom, isUnderCollateralized, marketsData, positionsData, tokenPrices])
+
+    const marketLiquidity = BigNumber(redbankBalances?.[denom] ?? '')
+      .div(10 ** getTokenDecimals(denom))
+      .toNumber()
+
+    if (marketLiquidity < maxValue) return marketLiquidity
+
+    return maxValue > 0 ? maxValue : 0
+  }, [denom, isUnderCollateralized, marketsData, positionsData, redbankBalances, tokenPrices])
 }
 
 export default useCalculateMaxBorrowAmount
diff --git a/hooks/useMarkets.tsx b/hooks/useMarkets.tsx
index 164c1a8b..bf42ecde 100644
--- a/hooks/useMarkets.tsx
+++ b/hooks/useMarkets.tsx
@@ -38,8 +38,8 @@ const useMarkets = () => {
       wasm: {
         uosmo: {
           denom: 'uosmo',
-          max_loan_to_value: '0.65',
-          liquidation_threshold: '0.7',
+          max_loan_to_value: '0.55',
+          liquidation_threshold: '0.65',
           liquidation_bonus: '0.1',
           reserve_factor: '0.2',
           interest_rate_model: {
@@ -61,8 +61,8 @@ const useMarkets = () => {
         },
         'ibc/27394FB092D2ECCD56123C74F36E4C1F926001CEADA9CA97EA622B25F41E5EB2': {
           denom: 'ibc/27394FB092D2ECCD56123C74F36E4C1F926001CEADA9CA97EA622B25F41E5EB2',
-          max_loan_to_value: '0.77',
-          liquidation_threshold: '0.8',
+          max_loan_to_value: '0.65',
+          liquidation_threshold: '0.7',
           liquidation_bonus: '0.1',
           reserve_factor: '0.2',
           interest_rate_model: {
diff --git a/hooks/useRedbankBalances.tsx b/hooks/useRedbankBalances.tsx
new file mode 100644
index 00000000..4fb96a58
--- /dev/null
+++ b/hooks/useRedbankBalances.tsx
@@ -0,0 +1,59 @@
+import { useMemo } from 'react'
+import { useQuery } from '@tanstack/react-query'
+import { Coin } from '@cosmjs/stargate'
+
+import { contractAddresses } from 'config/contracts'
+import { queryKeys } from 'types/query-keys-factory'
+import { chain } from 'utils/chains'
+
+interface Result {
+  data: {
+    bank: {
+      balance: Coin[]
+    }
+  }
+}
+
+const fetchBalances = () => {
+  return fetch(chain.hive, {
+    method: 'POST',
+    headers: {
+      'Content-Type': 'application/json',
+    },
+    body: JSON.stringify({
+      query: `
+      query RedbankBalances {
+        bank {
+                balance(
+                    address: "${contractAddresses.redBank}"
+                ) {
+                    amount
+                    denom
+                }
+            }
+        }
+      `,
+    }),
+  }).then((res) => res.json())
+}
+
+const useRedbankBalances = () => {
+  const result = useQuery<Result>(queryKeys.redbankBalances(), fetchBalances)
+
+  return {
+    ...result,
+    data: useMemo(() => {
+      if (!result.data) return
+
+      return result.data?.data.bank.balance.reduce(
+        (acc, coin) => ({
+          ...acc,
+          [coin.denom]: coin.amount,
+        }),
+        {}
+      ) as { [key in string]: string }
+    }, [result.data]),
+  }
+}
+
+export default useRedbankBalances
diff --git a/hooks/useRepayFunds.tsx b/hooks/useRepayFunds.tsx
index 6ffee088..13e59b89 100644
--- a/hooks/useRepayFunds.tsx
+++ b/hooks/useRepayFunds.tsx
@@ -10,6 +10,7 @@ import { contractAddresses } from 'config/contracts'
 import { hardcodedFee } from 'utils/contants'
 import useCreditManagerStore from 'stores/useCreditManagerStore'
 import { queryKeys } from 'types/query-keys-factory'
+import { getTokenDecimals } from 'utils/tokens'
 
 const useRepayFunds = (
   amount: string | number,
@@ -34,23 +35,33 @@ const useRepayFunds = (
     })()
   }, [address])
 
+  const tokenDecimals = getTokenDecimals(denom)
+
   const executeMsg = useMemo(() => {
     return {
       update_credit_account: {
         account_id: selectedAccount,
         actions: [
+          {
+            deposit: {
+              denom: denom,
+              amount: BigNumber(amount)
+                .times(10 ** tokenDecimals)
+                .toString(),
+            },
+          },
           {
             repay: {
               denom: denom,
               amount: BigNumber(amount)
-                .times(10 ** 6)
+                .times(10 ** tokenDecimals)
                 .toString(),
             },
           },
         ],
       },
     }
-  }, [amount, denom, selectedAccount])
+  }, [amount, denom, selectedAccount, tokenDecimals])
 
   return useMutation(
     async () =>
@@ -58,13 +69,23 @@ const useRepayFunds = (
         address,
         contractAddresses.creditManager,
         executeMsg,
-        hardcodedFee
+        hardcodedFee,
+        undefined,
+        [
+          {
+            denom,
+            amount: BigNumber(amount)
+              .times(10 ** tokenDecimals)
+              .toString(),
+          },
+        ]
       ),
     {
       onSettled: () => {
         queryClient.invalidateQueries(queryKeys.creditAccountsPositions(selectedAccount ?? ''))
         queryClient.invalidateQueries(queryKeys.tokenBalance(address, denom))
         queryClient.invalidateQueries(queryKeys.allBalances(address))
+        queryClient.invalidateQueries(queryKeys.redbankBalances())
       },
       onError: (err: Error) => {
         toast.error(err.message)
diff --git a/hooks/useTokenPrices.tsx b/hooks/useTokenPrices.tsx
index 71b5b79c..e4f56b49 100644
--- a/hooks/useTokenPrices.tsx
+++ b/hooks/useTokenPrices.tsx
@@ -4,8 +4,8 @@ const useTokenPrices = () => {
   return useQuery<{ [key in string]: number }>(
     ['tokenPrices'],
     () => ({
-      uosmo: 1.1,
-      'ibc/27394FB092D2ECCD56123C74F36E4C1F926001CEADA9CA97EA622B25F41E5EB2': 11,
+      uosmo: 1,
+      'ibc/27394FB092D2ECCD56123C74F36E4C1F926001CEADA9CA97EA622B25F41E5EB2': 1.5,
     }),
     {
       staleTime: Infinity,
diff --git a/pages/borrow.tsx b/pages/borrow.tsx
index 66dae478..0b157a38 100644
--- a/pages/borrow.tsx
+++ b/pages/borrow.tsx
@@ -10,6 +10,7 @@ import useMarkets from 'hooks/useMarkets'
 import useTokenPrices from 'hooks/useTokenPrices'
 import { BorrowFunds, RepayFunds } from 'components/Borrow'
 import BorrowTable from 'components/Borrow/BorrowTable'
+import useRedbankBalances from 'hooks/useRedbankBalances'
 
 type ModuleState =
   | {
@@ -35,6 +36,7 @@ const Borrow = () => {
   const { data: positionsData } = useCreditAccountPositions(selectedAccount ?? '')
   const { data: marketsData } = useMarkets()
   const { data: tokenPrices } = useTokenPrices()
+  const { data: redbankBalances } = useRedbankBalances()
 
   const borrowedAssetsMap = useMemo(() => {
     let borrowedAssetsMap: Map<string, string> = new Map()
@@ -54,7 +56,7 @@ const Borrow = () => {
           .map((denom) => {
             const { symbol, chain, icon } = getTokenInfo(denom)
             const borrowRate = Number(marketsData?.[denom].borrow_rate) || 0
-            const marketLiquidity = BigNumber(marketsData?.[denom].deposit_cap ?? '')
+            const marketLiquidity = BigNumber(redbankBalances?.[denom] ?? '')
               .div(10 ** getTokenDecimals(denom))
               .toNumber()
 
@@ -84,7 +86,7 @@ const Borrow = () => {
           .map((denom) => {
             const { symbol, chain, icon } = getTokenInfo(denom)
             const borrowRate = Number(marketsData?.[denom].borrow_rate) || 0
-            const marketLiquidity = BigNumber(marketsData?.[denom].deposit_cap ?? '')
+            const marketLiquidity = BigNumber(redbankBalances?.[denom] ?? '')
               .div(10 ** getTokenDecimals(denom))
               .toNumber()
 
@@ -101,7 +103,7 @@ const Borrow = () => {
             return rowData
           }) ?? [],
     }
-  }, [allowedCoinsData, borrowedAssetsMap, marketsData, tokenPrices])
+  }, [allowedCoinsData, borrowedAssetsMap, marketsData, redbankBalances, tokenPrices])
 
   const handleBorrowClick = (denom: string) => {
     setModuleState({ show: 'borrow', data: { tokenDenom: denom } })
diff --git a/types/query-keys-factory.ts b/types/query-keys-factory.ts
index 9494ab23..523ad14a 100644
--- a/types/query-keys-factory.ts
+++ b/types/query-keys-factory.ts
@@ -1,6 +1,7 @@
 export const queryKeys = {
   allBalances: (address: string) => ['allBalances', address],
   allowedCoins: () => ['allowedCoins'],
+  redbankBalances: () => ['redbankBalances'],
   creditAccounts: (address: string) => ['creditAccounts', address],
   creditAccountsPositions: (accountId: string) => ['creditAccountPositions', accountId],
   tokenBalance: (address: string, denom: string) => ['tokenBalance', address, denom],
diff --git a/utils/chains.ts b/utils/chains.ts
index 001554e5..c042274a 100644
--- a/utils/chains.ts
+++ b/utils/chains.ts
@@ -42,6 +42,7 @@ export const chainsInfo = {
     chainId: 'osmo-test-4',
     rpc: 'https://osmosis-delphi-testnet-1.simply-vc.com.mt/XF32UOOU55CX/osmosis-rpc',
     rest: 'https://osmosis-delphi-testnet-1.simply-vc.com.mt/XF32UOOU55CX/osmosis-lcd',
+    hive: 'https://osmosis-delphi-testnet-1.simply-vc.com.mt/XF32UOOU55CX/osmosis-hive/graphql',
     stakeCurrency: {
       coinDenom: 'OSMO',
       coinMinimalDenom: 'uosmo',