Maze is a zero-interest bank but not a free bank. Anyone who wants to use the zero-interest loan service must have at least 10 rMAZE locked in the account, which means to deposit 10 MAZE in its Reserve Pool.
The delegation token rMAZE is a token managed by the smart contract. It enables the following features in terms of Service Membership:
If there is not enough rMAZE in the account, the user will fail to initiate any loan.
If there is an existing debt in the account, the user will not be able to move the 10 rMAZE, and thus unable to withdraw the 10 MAZE from its Reserve Pool.