Many lending platforms are experiencing withdrawal surges. Here's a tip for newcomers: When the fund utilization rate soars above 90%, it means the pool's funds are almost drained. At this point, according to most lending protocols' interest rate curve models, borrowing rates will spike to force borrowers to repay. In this situation, pay attention to the collateral in the market: Under normal circumstances, if the collateral doesn’t have bad debt, borrowers won’t abandon their collateral, so you can just wait for repayment. If there’s collateral in the pool that you don’t trust or that has already exposed risks, you need to keep a close eye on the pool’s asset situation. Once liquidity appears, it’s a race for everyone to escape. Additionally, in mixed markets, bad debt in collateral can potentially cause cross-contamination. Lastly, if the collateral is in good condition, there won’t be issues with recovery. This is different from banks—withdrawals won’t collapse the market. That said, in this kind of situation, I still recommend withdrawing funds, but it’s equally important to properly understand the risks.