Lock DGB as collateral, mint $DD against it. Longer locks need less collateral. All math runs in your browser — nothing is sent anywhere.
Know the deal before you lock: your debt is fixed in USD — you must burn the exact DD amount minted to unlock your collateral, and not before the timelock ends. No margin calls and no forced liquidations, but also no early exit. If you spend your DD, you'll need to reacquire that amount later. This is liquidity against your own coins — not free money.