You can send any quantity of Bitcoin to your balance. The loan limit calculation is based on your current account balance.

Loan limit is the maximum amount of funds that can be loaned to you at the current account balance. Used loan limit is the amount of funds that you are currently using in a loan.

LTV (loan-to-value ratio) is calculated by dividing your used loan limit by the current value of bitcoin stored on your balance.

In order to receive a loan, your account balance amount must be at least 20% more than the requested loan amount.

You can receive a loan via fiat currencies and cryptocurrencies.

The loan funds can be sent to you in the following currencies: Bitcoin (BTC), Ethereum (ETH), Tether (USDT)

The issued loan amount is fixed in US dollars (USD), regardless of the currency of receipt.

The interest rate is 12% per annum. After the loan is issued, the interest will be automatically accrued for the first 14 days. Starting from the 15th day, interest will be calculated daily, in the amount of 0.033% of the loan.

The interest on the loan is recorded in the used loan limit, but there is no interest capitalization (in other words, no interest is accrued on interest). If the amount of accrued interest per day is less than 0.01 USD, they will be automatically rounded up to 0.01 USD.

You can repay the loan partly or in full at any time. There is no minimum loan period. In a case of the partial repayment of the used loan limit, each payment covers the accrued interest first, and anything left is applied to the principal.

In order to unfreeze your collateral amount, you need to repay your loan. If your current balance amount is more than 20% higher than your used loan limit, you can withdraw an excess of Bitcoin from your balance without repaying the loan.

The currencies available to repay the loan are Bitcoin (BTC), Ethereum (ETH), and Tether (USDT). You can also instantly repay the loan using Bitcoin from your account balance.

You should repay the accrued interest on your loan for the past month by the 4th day 00:00 GMT of the current month. If you do not repay the accrued interest by yourself, they will be automatically withdrawn from your account balance. Three days before the automatic repayment date, you will receive a reminder by email.

You are able to control and regulate the risk of the Margin Call occurrence. To reduce the risk of Margin Call, you should top up your balance with bitcoin or repay the loan partially.

Margin Call occurs when your LTV increases to 90%. In this situation, your loan is automatically repaid using the bitcoin from your balance.