In the digital asset market, HashWhale not only provides trading services but also offers flexible and efficient financial tools. Among them, Flexible Loan is a core service designed to help users unlock asset liquidity.
Flexible Loan is a lending service that allows users to use digital assets as collateral to obtain funds.
Users do not need to sell their digital assets to access liquidity. They can borrow funds at any time with no fixed repayment term, meeting short-term capital needs while maintaining long-term investment positions.
During the loan period, the collateralized assets remain owned by the user unless the platform’s risk control mechanism is triggered due to market fluctuations.
How Does HashWhale Flexible Loan Work?
As a platform, HashWhale provides secure and transparent infrastructure to facilitate the lending process. The overall process is simple and efficient:
1️⃣ Submit a Loan Request
Users must first deposit eligible digital assets into their funding account as collateral, then select the asset and amount they wish to borrow. The system will automatically calculate the required collateral amount.
2️⃣ Collateral Is Frozen
The pledged assets are frozen by the system to secure the loan.
3️⃣ Loan Disbursement
Once approved, the borrowed funds are credited to the user’s account, typically on the same day or the next business day.
What Can the Borrowed Funds Be Used For?
Borrowed funds are flexible and may be used for:
Transfers
Trading
Investment or wealth management
Other capital arrangements
The platform does not impose restrictions on fund usage.
Key Features of Flexible Loan
Access liquidity without selling digital assets
No fixed loan term — borrow and repay anytime
Partial or full repayment supported
No early repayment fees
Flexible use of borrowed funds
Transparent interest calculation based on actual borrowing amount and duration
Which Assets Are Supported as Collateral? Are There Limits?
HashWhale supports a variety of mainstream digital assets as collateral, including but not limited to:
USDT
USDC
BTC
ETH
SOL
BNB
Different assets have different collateral ratios and borrowing limits. Specific parameters are displayed in real time on the loan page.
⚠️ Important Notes:
The collateral asset and the borrowed asset cannot be the same token.
Borrowing limits vary depending on the asset type.
Is There a Loan Term? Can I Repay Early?
Flexible Loan has no fixed term.
Users may repay partially or in full at any time, with no early repayment fees.
How Are Interest Rates and Interest Calculated?
The borrowing rate is a fixed rate that may be adjusted dynamically based on market conditions.
The applicable rate is shown on the loan page.
Interest is calculated based on the actual borrowed amount and the borrowing duration.
Interest Accrual Rules
HashWhale Flexible Loan calculates interest on an hourly basis, with one hour as the minimum unit:
Interest starts accruing immediately after the loan is issued.
Any duration less than 1 hour is counted as 1 full hour.
Time exceeding a full hour but not reaching the next full hour is not additionally charged.
Example:
If User A borrows USDT at 10:01 AM and repays at 11:59 AM,
Although the usage time is nearly 2 hours, it does not reach 2 full billing hours. Therefore, only 1 hour of interest is charged.
What Is Loan-to-Value (LTV)? Why Is It Important?
Loan-to-Value (LTV) measures borrowing risk and is calculated as:
LTV = Loan Value (including accrued interest) ÷ Collateral Value
If the collateral price decreases → LTV increases
If the loan value or accrued interest increases → LTV increases
When LTV reaches the margin call or liquidation threshold, the system will trigger corresponding risk control measures.
Therefore, managing borrowing size prudently and monitoring market fluctuations are key to using Flexible Loan safely.
What Is the Margin Call LTV?
The Margin Call LTV is a warning threshold before forced liquidation.
When your current LTV reaches the margin call level, the system will notify you to add more collateral. You may:
Increase the amount of collateral
Or partially repay the loan
to reduce the LTV.
Example:
If the margin call LTV is 75%, when Loan Value ÷ Collateral Value ≥ 75%, the system will issue a margin call reminder.
What Is the Liquidation LTV?
The Liquidation LTV is the threshold at which the platform may take risk control action.
If:
The collateral value continues to decline
Or the loan value (including accrued interest) increases
and causes LTV to exceed the liquidation threshold, the system may liquidate the collateral to secure the loan.
How to Manage Risk?
The main risks of borrowing include:
Forced liquidation
Passive repayment
Platform-wide risk control triggers
Risk management suggestions:
Maintain a reasonable borrowing ratio
Monitor market volatility
Add collateral in a timely manner
Proactively manage your LTV level
Who Is Flexible Loan Suitable For?
HashWhale Flexible Loan is suitable for users who:
Do not want to sell digital assets but need liquidity
Prefer flexible borrowing and repayment
Understand market risks and can monitor LTV changes
If you want to improve capital efficiency while retaining your assets and are capable of managing risk independently, Flexible Loan can be a practical and flexible financial tool.
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