2、Interest: Calculated based on the hourly interest rate on the hour after successful borrowing. For margin borrowing, interest is deducted immediately; for Crypto Loan, interest is added to the liabilities.

3、Loan Cap: The actual borrowable amount, or Borrowable, is the lowest among Margin Borrowable (the borrowable amount calculated by the available margin or collateral in Crypto Loan), Pool Available (funds in the Simple Earn pool), and Loan Cap (loan quota offered by the platform for each user, which varies by VIP tier). You can increase your loan cap by raising your VIP tier, increasing your account balance, or completing more advanced verification.

Note: Loan caps for Trading Account loans, isolated margin loans, and Crypto Loan are independent of each other.

Example:

User C has 200,000 USDT in the spot account. Based on a 70% initial LTV and the current BTC price, the Margin Borrowable is 10,000 BTC. The Pool Available is 800,000,000 BTC, and the Loan Cap is 8,000 USDT. Therefore, Borrowable = min(Margin Borrowable, Pool Available, Loan Cap) = 8,000 USDT.

This assumes no existing borrowed amount in Unified Account. If any, it must be deducted: Borrowable = min(Margin Borrowable, Pool Available, (Loan Cap – Borrowed)).

Note: Loan caps may be affected by risk controls. The actual amount shown on the borrowing page shall prevail.