When Risk Rate<100%(Liquidation Line), a liquidator will be able to call the liquidation contract to use part of your collateral to pay 50% of your debt. In return, the liquidator will receive 5% (varies from asset to asset) of your liquidated collateral as liquidation penalty. After liquidation, your Risk Rate shall be above 100%. If in any case, it drops below 100% again due to further price fluctuation, the liquidation process will happen again. Example, if you have deposited 2,000 BUSD and your loan in BNB is $1,000 worth. When liquidation happens due to the increasing of the BNB price, $500 worth (50% of your loan) will be deducted from your collateralized BUSD and extra $25 (liquidation penalty) will also be deducted and send to the liquidator.