To improve your experience and overall capital efficiency, we’re integrating our Crypto Loans (flexible loans) and Fixed Rate Loans into one interface, which will be effective on May 8, 2025 (UTC).

Here’s what you need to know:

Streamlined interface

We’ve now displayed both Crypto Loans and Fixed Rate Loans on the Crypto Loans page. You can now compare the two more easily.

Unified Cross Margin

We’re adopting a cross-margin management model for both loan types. You’ll benefit from a consolidated LTV calculation and risk management. The new LTV levels are 80% (initial), 85% (margin call) and 92% (liquidation). For more details, refer to this page.

Shared collateral

You can use the same collateral across both flexible and fixed-term loan products, keeping your money and operations more flexible.

Tiered collateral ratios

All collateral assets follow a tiered ratio consistent with the current model used in Fixed Rate Loans. This better reflects asset characteristics and risk levels. For more details, refer to this page.

Interest calculation update

With this integration, we’ll calculate interest hourly using a compounding method: Total debt (principal + accrued Interest) * hourly interest rate.

Note: This upgrade won’t affect your existing orders. Your current positions in previous Crypto Loan (flexible loan) and Fixed Rate Loan products will continue to operate under their original Terms and Conditions.

Introduction to Fixed Rate Loan

Introduction to Crypto Loans

We hope these improvements make your borrowing experience smoother and more efficient. Thank you for supporting us.