Convert your idle assets to liquidity in just 3 steps—no selling required

Simply put, CoinEx Loans functions like a smart digital pawnshop, where you can collateralize your idle assets (BTC, ETH, etc.) to borrow USDT/USDC instantly. Use the funds for trading, investing, withdrawal, or even on-chain transactions.

Secure short-term liquidity without offloading your assets in just a few minutes.

💡Why Everyone Uses Loans?

1. Capture Potential Upside: Crypto markets are volatile, and selling risks missing rallies. With CoinEx Loans, your assets remain collateralized while retaining exposure to potential gains.
2. Flexible Liquidity Solutions: Cover short-term liquidity needs, invest in new projects, or execute arbitrage strategies. Borrow and repay instantly when opportunities arise.
3. Zero Barriers: Skip time-consuming procedures. Complete the entire application in minutes, even for beginners.

Why Choose CoinEx Loans? 5 Advantages for Peace of Mind

​🚦 Tiered Collateral Discount Mechanism: This mechanism acts as a "buffer" against market volatility, significantly reducing the impact on your assets.

• For high-risk assets, we set a lower discount rate to shield against liquidation during market crashes.
• For stable assets, the discount rates will be higher, which helps maximize the collateral value.

⏰ Auto-Renewal:

• This feature is enabled by default. All loans automatically renew every 10 days (if there is enough liquidity), preventing accidental liquidation from missed repayments. Sleep easy knowing your assets stay protected.

​🔐 Ironclad Security​

• ​Unaffected by Tech Upgrades: Even if tokens undergo renaming or migrations, your loans and collateral stay unaffected.
• Insurance Fund: We allocate portions of interest income and liquidation fees to cover potential deficits – your safety net against black swan events.

💰 Diverse Collateral Options​

• Collateralize multiple assets simultaneously – BTC, ETH, CET, and more. Mix and match coins to match your holdings while keeping full flexibility.

⚡ Instant Arrival:​

• Loans hit your account in seconds. No red tape!

​​From Collateral to Repayment: Understanding CoinEx Loans in 3 Minutes​​

For beginners using CoinEx Loans for the first time, here are 4 essential terms you should know:

💰 Collateral: This is the asset you pledge to secure your loan.

CoinEx supports up to 100 collateral options, with new options added regularly.

⚖️ ​​Loan-to-Value (LTV) Ratio​​: The LTV ratio compares the amount of your loan to the value of your collateral.

CoinEx employs over-collateralization as a financial practice, meaning the collateral value must exceed the loan amount. When LTV ratio rises, your liquidation risk increases.

📚 ​​Discount Rate​​: The discount rate is determined based on the risk rate of the collateral and used to calculate collateral value.

CoinEx utilizes a "Tiered Collateral Discount" mechanism to mitigate the impact of market fluctuations and provide additional buffers for your assets.

➕ ​​Margin Call​

If the LTV ratio reaches a critical level, CoinEx will notify you via email, text message, and in-site notifications. To avoid liquidation, it’s important to add collateral or repay part of the loan promptly to lower your risk.

♻️ ​​Auto-Renewal

This default feature renews your loan automatically every 10 days, preventing unintended liquidations due to missed deadlines. If the platform's liquidity pool does not support renewal, the loan will enter a 7-day grace period. If renewal is unsuccessful by the end of the grace period, the repayment process will be initiated.

🔗 Learn more about CoinEx Loans >>

💡 Liquidation

If the LTV ratio hits the liquidation threshold, your collateral will be sold to repay the loan, with a 2% fee applied. It’s crucial to monitor your loans and make timely repayments to avoid liquidation.

❓ Still have questions? Check out the FAQs about CoinEx Loans >>

CoinEx Loans Tutorial: 3 Easy Steps to Borrow a Loan

Let’s say you want to borrow USDT using CET as collateral.

Step 1️⃣ Select Loanable Coins

• 💻Web: Finance > Loans > Borrow
• 📱App: Home > More > Loans > Borrow

Step 2️⃣ Add Collateral

Choose one or more assets as collateral and enter the amount you wish to borrow. CoinEx will calculate the estimated LTV ratio, along with the initial, alert, and liquidation LTV ratios for your reference. The auto-renewal feature is enabled by default, preventing unintended liquidations due to missed deadlines.

Step 3️⃣ Repay Loan

CoinEx offers two repayment options:

• Repay with Borrowed Assets: You can repay the loan either in full or partially.
• Repay with Collateral Assets: This option requires a full repayment and is considered "voluntary liquidation", where your collateral will be sold in the order of liquidation to repay the loan. CoinEx will not charge any fees for this liquidation.

⚠️ Risk Warning

• Monitor Frequently: Keep the LTV within a healthy range to avoid triggering liquidation.
• Adjust Proactively: During market fluctuations, it is advisable to add collateral or repay early to mitigate potential losses.
• Borrow Responsibly: Assess your personal funding needs to avoid over-borrowing.