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Sonne Finance is a decentralized lending protocol on the Optimism network that ‌empowers individuals, organizations, and protocols to obtain financial services. It's permissionless, open source, and enables you to deposit, borrow against, and utilize collateral for its assets.

When the utilization rate exceeds 100%, you won't be able to withdraw your crypto. The utilization rate is the amount borrowed to the total amount of funds available for borrowing. Therefore, you'll be able to withdraw when the utilization rate falls below 100%.