# Credit Accounts

A Credit Account is an isolated smart contract which contains both the user funds and the borrowed funds. This is where your leverage is. After you open an account, all the operations go through this account and the assets stay on it as well. You can see a Credit Account as your automated leveraged DeFi wallet.

> Every user has their own Credit Account.

Funds on a Credit Account are used as collateral for debt, and users can operate these funds by sending orders to their Credit Accounts. 

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