MEXC Loans is a cryptocurrency lending solution introduced by MEXC that allows users to collateralize one cryptocurrency to borrow another for use in spot trading, derivatives, investment purposes toMEXC Loans is a cryptocurrency lending solution introduced by MEXC that allows users to collateralize one cryptocurrency to borrow another for use in spot trading, derivatives, investment purposes to
MEXC Loans FAQ
MEXC Loans is a cryptocurrency lending solution introduced by MEXC that allows users to collateralize one cryptocurrency to borrow another for use in spot trading, derivatives, investment purposes to earn higher returns, or for withdrawal.
MEXC Loans FAQ
Q: How do I participate in MEXC Loans?
A: On the MEXC Loans page, you can see the currently supported staking crypto and loan crypto. Select the corresponding token pair and click Borrow Now to participate. If you want to learn more about how to participate in MEXC Loans, you can read the article "MEXC Loans is Now Live!"
Q: Is the interest generated in MEXC Loans calculated in a "simple interest" or "compound interest" form?
A: Simple interest. The system calculates interest on a daily basis and charges it based on the actual duration of the loan. Periods of less than one day are rounded up to one full day. Note: Interest is calculated based on the interest rate displayed at the time of borrowing. Formula: Interest = Borrowed Amount × Daily Interest Rate.
- Flexible Loans: Interest accrues hourly and is charged based on the actual loan duration. Any period less than 1 hour is counted as 1 full hour. Hourly interest = Borrowed amount × Hourly interest rate
- Fixed Loans: Interest accrues daily and is charged based on the actual loan duration. Any period less than 1 day is counted as 1 full day. Daily interest = Borrowed amount × Daily interest rate
Q: How is the "Max. Borrowable" quantity displayed on the MEXC Loans page calculated?
A: The max. borrowable quantity is calculated based on the corresponding unfrozen available assets in your current spot account, serving as collateral for the loan.
Q: Is it possible to earn interest by lending my assets to other users through the MEXC Loans feature?
A: No. Currently, MEXC Loans only allows users to borrow funds from the MEXC platform.
Q: What is the Loan-to-Value ratio (LTV)?
A: The Loan-to-Value ratio (LTV) is the ratio of outstanding asset value to collateral value. The specific calculation formula is as follows: LTV = Outstanding Principal and Interest / Collateral Amount
Outstanding Principal and Interest = (Outstanding Principal + Outstanding Interest + Outstanding Overdue Interest)
Q: Is there a limit to the fund pool for each loan product? Why does a loan product sometimes show an amount of 0 under "Current Borrowable"?
A: There is a limit to the borrowing amount for each loan product. When the loan fund pool has been fully borrowed by other users, further borrowing will not be possible. You can assess this by checking the "Current Borrowable" quantity in the corresponding loan fund pool.
Q: Is there a limit to the amount that can be staked and borrowed?
A: There is no limit to the amount that can be staked, but there is a limit to the borrowing amount. The initial LTV determines the initial amount of assets that can be borrowed, and the borrowable amount varies for different staked assets.
Q: After taking out a loan, where can I find the loan records?
A: You can check your corresponding loan order records under My Loans on the MEXC Loans page.
Q: After taking out a loan, where can I view the fund flow records for the staked crypto and the loan crypto?
A: If you are using the website interface, you can go to the official MEXC website, click Wallets in the top right corner, select Spot, and click on Spot Statement to view the fund flow records.
If you are using the mobile app, you can tap Wallets in the bottom right corner of the homepage, tap Spot at the top, and then tap on the notepad icon in the top right corner. On the "Spot History" page, select Spot Statement to view the fund flow records.
Q: After taking out a loan, are the staked assets still in my account? Can the loan crypto be used for trading or transfers?
A: The staked crypto will be deducted from your MEXC account. The loan crypto, such as USDT, can be used normally for trading, transfers, withdrawals, and other operations.
Q: After taking out a loan, can I add or reduce collateral manually?
A: Users can add collateral at any time to adjust the LTV (you will receive a liquidation alert when the alert LTV is reached). On the MEXC Loans page, click on My Loans, select the loan order you want to adjust, and choose Adjust Collateral to add or reduce collateral. Overdue repayments will incur a penalty rate equal to 200% of the borrowing rate for the duration of the delay.
Q: What is loan liquidation?
A: If the LTV (outstanding principal and interest / collateral amount) reaches the platform's set liquidation threshold, the system will initiate a forced liquidation of your collateral assets to fully repay the principal and interest.
Q: After taking out a loan, is it possible to adjust the quantity of the loan crypto amount in the loan order?
A: It is not possible to adjust the amount of the loan crypto in the loan order, meaning you can't borrow twice in the same order.
Q: Is it possible to repay your loan before the due date?
A: Fixed Loans supports early repayment with no penalty.
Q: After a loan order is liquidated, what happens to the staking crypto?
A: If LTV reaches this threshold, the system will liquidate your collateral assets and charge a 5% liquidation fee on the amount sold. After repaying the principal and interest, any remaining funds will be returned to your Spot account. If no balance remains, all collateral has been used for repayment.
Q: When a liquidated loan order has a negative balance, will the debt continue to incur interest?
A: No, the debt generated after liquidation is not subject to the interest calculation.
Come check out the official MEXC website and try MEXC Loans for yourself. With fast, convenient, and secure borrowing, you can easily manage your cryptocurrency assets. Whatever your needs, investment or financial flexibility, MEXC's loan solutions are designed to meet them.
Disclaimer: This information does not provide advice on investment, taxation, legal, financial, accounting, or any other related services, nor does it constitute advice to purchase, sell, or hold any assets. MEXC Learn provides information for reference purposes only and does not constitute investment advice. Please ensure you fully understand the risks involved and exercise caution when investing. The platform is not responsible for users' investment decisions.
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