# FAQs

| Question                                                                                           | Answer                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |
| -------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Why use custodial collateral and not just accept USDC or USDT as collateral from users right away? | <p>Initial beta testing rollout implements custodial collateral types based on MakerDAO's RWA vaults. This ensures that collateral is 100% safe from on chain security incidents, while the PHT system is in its' early stages.<br><br>Even if the PHT system is a fork of MakerDAO's battle tested Multi Collateral DAI system, operational security is still a major concern when building on-chain collateral systems. The PHT team intends to rollout the forked system in stages and have auditors double check every stage before launching. </p> |
| How can I mint PHT using apcxUSDC or apcxUSDT if I have USDC or USDT?                              | <p>During <a data-mention href="/pages/DJQb6yjre1KPpbPvMCjp#q1-q2-2025-beta-testing">/pages/DJQb6yjre1KPpbPvMCjp#q1-q2-2025-beta-testing</a> rollout stage, please contact the team to acquire apcxUSDC or apcxUSDT. <br><br>During this stage, the team may also automate the conversion of USDC -> apcxUSDC and USDT -> apcxUSDT through the web app.</p>                                                                                                                                                                                             |


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