1. How to Participate in Crypto Loans

BitMart Crypto Loans allow users to unlock liquidity by borrowing crypto assets with collateral, without selling their holdings.

Steps to get started:

1. Go to the Assets tab and tap Loans, then select Crypto Loans.

   

2. Review the list of supported borrowable tokens along with their current interest rates, and choose the token you want to borrow.

3. When selecting the borrowing amount and collateral, two methods are available:

• Method 1: Enter Borrowing Amount First
  Tap Start Borrowing and input the amount you wish to borrow. The system will automatically select suitable collateral.

  • The borrowing amount must meet the minimum requirement and must not exceed your current borrowing limit.

  • You may manually adjust the type and amount of collateral. If the value of the selected collateral is lower than the system requirement, the borrowing amount will be automatically reduced.

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• Method 2: Select Collateral First
  Choose the collateral token and input the amount. The system will automatically calculate the maximum borrowable amount.

4. Final confirmation:

• Confirm the final borrowing amount, collateral details, and the loan-to-value (LTV) ratio.

• You may choose to enable Flexible Savings (Earn) on your collateral to earn interest while borrowing.

5. Submit the request to complete the borrowing process. The borrowed assets will be available for immediate use or withdrawal.

2. How to Repay and Adjust Collateral

2.1 Repayment

1. Go to the Assets tab and tap Loans.

2. Under the Loan section, locate the token you want to repay.

3. Tap Repay, enter the repayment amount, and confirm.

4. Both partial and full repayments are supported, and the loan status will be updated in real time.

2.2 Add Collateral – Method 1

1. Go to the Assets tab and tap Loans.

2. Under the Collateral section, locate your existing collateral token.

3. Tap Adjust and increase the collateral amount to reduce the LTV and improve risk safety.

2.3 Add Collateral – Method 2

1. Go to the Assets tab and tap Loans.

2. Tap Add Collateral.

3. Select a new collateral token and input the desired amount, then confirm to complete the addition.

2.4 Remove Collateral

1. Go to the Assets tab and tap Loans.

2. Under the Collateral section, locate the collateral token you want to adjust.

3. Tap Adjust and reduce the collateral amount.

4. The system will verify whether the updated LTV remains within the allowed range before confirming the operation.

3. Risk Reminder

Crypto Loans are affected by market volatility. Sharp price movements may increase your LTV and trigger risk control measures. Please monitor your loan position regularly and take timely actions such as adding collateral or repaying part of the loan to manage risk.

Digital asset prices may fluctuate significantly, and crypto-related financial products involve inherent risks. Please ensure you fully understand the product rules and assess your own risk tolerance before using Crypto Loans. BitMart does not provide investment, legal, or tax advice.