At OKX, we embrace the innovative concept of "borrow to earn, borrow to buy." Our OKX Loan service empowers crypto enthusiasts to access diverse crypto products simply by staking their assets—without exposing their portfolio to price volatility.
Understanding Flexible Loans
👉 Flexible Loans are dynamic borrowing solutions with no fixed terms or predetermined interest rates. Key features include:
- Supports 120+ crypto assets as collateral
- Interest rates adjust hourly based on market conditions
- Funded by OKX Earn liquidity pools
How to start:
- Enter your desired loan amount
- Add collateral assets
- Confirm borrowing terms
Always review the Flexible Loan service agreement before proceeding.
Strategic Borrowing: 5 Ways to Maximize OKX Loan
1. Borrow to Participate in Jumpstart ICOs
Jumpstart lets users explore promising new crypto projects by staking OKB. Our risk-minimization strategy:
- Borrow OKB via Loan instead of selling existing holdings
- Stake borrowed OKB to claim new token allocations
- Maintain portfolio stability during market fluctuations
2. Amplify Earnings with Loan x Earn
Combine borrowing with OKX Earn products for enhanced yields:
| Strategy | Example Calculation |
|---|---|
| Borrow SOS at 5% APR | Stake at 70% APR → Net 65% profit (70% - 5%) |
| Use borrowed USDT in Simple Earn | Earn stable returns while retaining crypto exposure |
3. Secure Urgent Liquidity Without Selling
Need cash but don't want to sell crypto?
- Borrow USDT via Loan
- Convert to fiat currency
- Repay later when funds are available
4. Cross-Platform Arbitrage
Example scenario:
- Borrow crypto at 5% APR on OKX
- Stake on another platform offering 10% APR
- Profit from the 5% interest differential
5. Trade with Borrowed Capital
Implement advanced trading strategies:
- Bullish? Borrow USDT → Buy crypto → Sell high → Repay loan
- Bearish? Borrow crypto → Sell short → Repurchase low → Return assets
FAQ: Smart Borrowing with OKX Loan
Q: What’s the minimum collateral ratio?
A: Varies by asset—typically 110-150% of loan value.
Q: How often do interest rates update?
A: Hourly, reflecting real-time market conditions.
Q: Can I repay loans early?
A: Yes, with no prepayment penalties.
Q: Which cryptocurrencies can I borrow?
A: 50+ major tokens including BTC, ETH, USDT.
Q: Is there a loan term limit?
A: Flexible Loans have open-ended durations.
Q: How are loans liquidated?
A: If collateral value drops below threshold, positions auto-close to protect lenders.
Master strategic borrowing with OKX Loan to unlock liquidity, amplify earnings, and trade smarter—all while safeguarding your core holdings. Start exploring possibilities today.