To protect the interests of the borrowers, when a borrower’s Health Factor is above the liquidation protection line, which is currently 80%. The borrower will have 24 hours to repay and/or replenish ETH, so as to protect the collateralized NFT from liquidation. If the borrower is unable to replenish ETH and/or repay the loan within 24 hours, the NFT loan agreement will enter the direct liquidation period, and the NFT will be liquidated immediately.