Q1. What are the requirements for staking loans on HTX?
HTX Staking Loans allow verified platform users to borrow other cryptocurrencies by staking specified digital assets. Key features:
- Available to all KYC-verified users
- Instant asset transfers (1-second processing)
- Flexible borrowing against collateral
Q2. Which cryptocurrencies can I borrow?
Supported borrowable assets include:
- Stablecoins: USDT
- Major coins: BTC, ETH
- Altcoins: TRX, LTC (subject to product page updates)
Q3. Eligible collateral assets
Acceptable staking assets:
- BTC, ETH, USDT
- XRP, ETC, LTC
- DOGE, SHIB, ADA, TRX
(See current listings on loan product pages)
Q4. Loan tenure options
Choose from:
✅ Flexible-term loans (repay anytime)
✅ Fixed terms: 7/30/45/90 days
Q5. Interest calculation
- Hourly accrual (minimum 1-hour charge)
Formula:
Interest = Borrowed Amount × Hourly Rate × Duration
Q6. Repayment process
- Manual repayment via order page
Priority order:
- Interest first
- Principal afterward
Q7. Early repayment
- Fully supported
- Interest charged for actual usage duration
Q8. What is Collateral Ratio?
Definition:
Loan-to-Value (LTV) = Borrowable Amount / Collateral Value - Varies by asset type
- Determines initial borrowing limit
Q9. High collateral ratio consequences
- Warning level: Require additional collateral
- Liquidation threshold: Automatic position closure
- Extreme volatility: Platform may reclaim debts from other account assets
Q10. Adjusting collateral
- Add funds anytime
- Withdraw excess when ratio < initial LTV
Q11. Late repayment policy
- 7-day maximum overdue period
- 300% interest penalty
- Post-deadline: Collateral liquidation
Q12. Usage of borrowed assets
Permitted activities:
- Spot/leverage/derivatives trading
- External withdrawals
Q13. Airdrops during loan period
- Collateral airdrops: Handled per platform rules
- Borrowed asset airdrops: Must return assets pre-snapshot or compensate losses
FAQs
1. How does HTX determine collateral value?
Assets are valued using index prices for fair market evaluation.
2. Can I change loan terms after borrowing?
Fixed-term loans cannot be modified mid-tenure; flexible loans allow adjustments.
3. Where can I monitor my LTV ratio?
Real-time tracking available in your order dashboard.
HTX reserves all rights to modify these terms without prior notice.