Users open YieldBlox margin accounts by opening a new Stellar account with YieldBlox, depositing collateral, and borrowing up to 5x their collateral value from the YieldBlox lending pool. They can then trade on the Stellar DEX with the borrowed assets. They can close the account at any time by repaying their borrowed assets plus accrued interest. They keep any remaining assets in their account. For example, say Trader A opens a margin account by depositing $100 of XLM as collateral. Next, they borrow 500 USDC and trade it for XLM on the Stellar DEX. If the price of XLM increases 10%, they can sell the XLM they bought for 550 USDC, then repay their 500 USDC borrow. They will be left with the $100 of XLM they deposited as collateral and the $50 they made from trading.