Loans
Borrow up to 80% of your wallet balance without selling your assets.
Your assets are used as collateral — a higher collateral ratio keeps you far from liquidation.
Total Loans
Your total debt across all open loans: principal plus accrued interest. It grows daily from interest and drops only when you repay.
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No Active Loan
A measure of your whole position: total collateral against total debt, not per loan. Three zones: Safe — you have room to spare; Risk — buffer nearly gone, add funds or repay; Liquidation — collateral no longer covers the debt and is used to repay it. Adding funds improves all loans at once; a drop in collateral worsens all of them. A forced repayment affects every loan.
Loan-to-Value: —
What share of your collateral your debt takes up. Lower is calmer: 3,000 owed on 8,000 collateral = 37.5%. Right after borrowing it can't exceed 80%. It rises from interest or falling collateral value, and falls when you add funds or repay. Capped at 100% in the UI: exactly 100 means "100% or worse" — see Collateral ratio for the real depth.
Collateral ratio: —
How many times your collateral covers your debt: 200% means twice your debt. Higher is safer — this value determines your loan status. Above 120% is fine. 100–120% is the risk zone: add funds or repay part of the debt. At 100% or below, collateral is used to repay. The inverse of LTV, but uncapped: below 100% you see the real figure.
Liquidated
Risk Zone
Safe Zone
100%120%
Loan health and risk indicators will appear after you open a loan.
Collateral Amount
All funds in your wallets, converted to USD — what backs your loan. Borrowed money sits in your wallet and counts as collateral, but you can't borrow against it: your limit comes only from your own funds. Frozen funds (bonuses, card top-ups) don't count as collateral, but are still taken in a forced repayment. UEXC and U-Coin never count as collateral and are never taken.
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Total value of your assets considered as collateral
Available for loan
How much you can borrow now. Based on your own funds — borrowed money is excluded. You can use 80% of it; the other 20% is a buffer against price drops. Then what you already owe is subtracted. Example: 10,000 of your own, 4,000 borrowed → 8,000 − 4,000 = 4,000. Zero means your limit is used up: add funds or repay part of the debt.
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Maximum amount you can borrow using your collateral
No active loans
Borrow against your crypto without selling it.
Your first loan takes under a minute — no credit check.
Your first loan takes under a minute — no credit check.