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[Music] hello everyone this is intro to d5 and in this video were gonna learn what is minting how it works and how to mint main thing can be described as borrowing and conserving finance think like this you go to a bank and ask for one hundred thousand dollars credit bank will ask you two basic questions before giving you money one how will you pay back my money and two if you cannot pay back my money what will you give to me so you answer this question like this im gonna build a business blah blah blah and i have a house worth two hundred thousand dollars if i cannot pay you back take my house and banks dont care about that much about first question if you answer the second one and in our scenario they will give you one hundred thousand dollars the house is your collateral and your collective ratio is two hundred percent because youre one hundred thousand dollars and your collateral is worth two hundred thousand dollars so your c ratio is two if your houses value goes down your