DOLA is a debt-backed stablecoin that is soft-pegged to the US Dollar, ensuring minimal volatility and a value close to $1. Contrary to algorithmic stablecoins, DOLA's value is backed by retractable debt.
Yes but not a standard one: your DBR wallet balance will decrease over time when you have an open loan position.
There are multiple ways to get DBR: by simply buying it on DEXes, by staking INV and getting DBR rewards, by buying it from DBR auctions or via the auto-buy DBR feature when borrowing.
No, DBRs should stay in your wallet to pay the fee when you have a loan. Your DBR wallet balance will decrease only if you have a DOLA loan in FiRM.
DBRs are "spent" over time when you have a loan, the rate depends on your amount of debt. If you don't have a loan the balance does not decrease.
In case of a DBR deficit and an active loan, your DBR balance can be force recharged by someone through a costly process called replenishment, which uses a premium price for DBR.
This cost is added to your debt, which can result in liquidations if not taken care of.
Tip: use the FiRM DBR reminder feature and add the DBR depletion date to your calendar to ensure that you do not forget to buy DBRs before that date.
When staking INV on FiRM you are protected against dilution and you earn real yield via DBR streaming, the real yield you get is directly linked to FiRM's success as the yearly rewards will increase when borrowing demand increases.
It's possible to borrow for free (in DBR terms) when you have enough INV staked as the DBR rewards will be higher than the DBR burned for borrowing. There is a calculator to help you with that.