# Features ## Unique features * High Collateral Factor: The protocol permits a minimum health rate of 130%, ensuring efficient use of collateral. * Absence of Accrued Interest: Users are subject solely to a one-time issuance fee upon generating CJPY. * Non-Forced Liquidation: No penalty for liquidation. Debt positions with health rates below 130% can be redeemed by any users via CJPY acquired from the market. * Redemption by protocol: Accrued CJPY fees on protocol can be used to redeem debt position under threshold. * Subrogation Mechanism: The protocol employs the accumulated CJPY fees to subrogate debt positions falling below the 100% health rate threshold. ## Glossary ### Pledge Pledge is an account in the Yamato Protocol that manages collateral and obligations for each address. --- # 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://docs.yamato.fi/en/features.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.