Institutional loans follow a quarterly interest payment model.

The minimum loan term is 30 days. If repaid early, a penalty interest of 20% on the unpaid interest will apply.

If your institutional loan application is approved, the loan funds will be directly credited to your account. You can use these funds as margin in either your spot or futures trading. For loan interest on currencies other than BTC, ETH, and USDT, please confirm the rate with your BD representative directly.

Interest Repayment: At the end of each quarter, your KA manager will confirm the interest amount with you. Once you approve, the interest will be transferred directly to our designated account.

Principal Repayment: When you're ready to repay the principal, your KA manager will confirm the total amount of principal and interest due. Once confirmed, you’ll need to transfer enough funds to your spot account, and we will handle the deduction.

Only users who have successfully applied for institutional loans can access LTV data. After your application is approved, your BD representative will send you the SOP for querying LTV.