1. How to Use Crypto Loans via Website

For PC users: Log into your HTX account > Visit the navigation bar on the homepage > Select Loans > Crypto Loans. (Real-name verification is required.)

 

After entering the Crypto Loans page:

• Select the asset you want to borrow and enter the loan amount.
• Choose your collateral asset.
• Pick your desired loan term.
• Review your loan details, tick "I agree to the Loan Service Agreement", verify the loan amount and interest, then click the "Borrow Now" button.
• After confirming your order details, click the "Confirm" button.

 

 

2. How to Check Your Crypto Loan Orders

After entering the Crypto Loans page, scroll down to Ongoing Orders, or click Orders in the top-right corner > Crypto Loans orders > All Orders.

 

 

3. How to Repay Your Loan (Including Early Repayments)

Follow Instruction 2 to access the Crypto Loans orders page, then continue with the steps below.

(1) Repayment (using Spot balance)

• Access the details page of Crypto Loans orders.
• Select Repay.
• Choose a 100% repayment ratio or enter a repayment amount.
• Click the "Confirm" button.

Note: Please ensure that your Spot account has sufficient balance to repay both the interest and principal. After full repayment, all collateral assets will be returned to your Spot account.

 

(2) Manual liquidation

• Access the details page of Crypto Loans orders.
• View the details of a certain order.
• Select Manual Liquidation.
• Click the "Confirm" button.

Note: Manual liquidation involves selling the remaining collateral assets of the order at market price to repay the interest and principal. After the repayment is complete, any remaining balance will be returned to your Spot account. Losses may occur in extreme cases.

 

4. How to Remove Collateral Assets (Increase LTV Ratio)

Note: If you make an early partial repayment, the system will not automatically release the corresponding collateral. Please follow the steps below to manually remove the collateral.

Follow Instruction 2 to access the Crypto Loans orders page, then continue with the steps below.

• Access the details page of Crypto Loans orders.
• Select Adjust Collateral.
• Choose Reduce Collateral and manually enter the amount of collateral to be reduced.
• Once the above steps are completed, the LTV ratio will be adjusted accordingly. Please ensure that the new LTV ratio is lower than the Margin Call LTV ratio.
• Click the "Confirm" button to complete reducing collateral.

 

5. How to Add Collateral Assets (Decrease LTV Ratio)

Follow Instruction 2 to access the Crypto Loans orders page, then continue with the steps below.

• Access the details page of Crypto Loans orders.
• Select Adjust Collateral.
• Choose Add Collateral and manually enter the amount of collateral to be reduced.
• Once the above steps are completed, the LTV ratio will be adjusted accordingly. Please ensure that the new LTV ratio is lower than the Margin Call LTV ratio.
• Click the "Confirm" button to complete adding collateral.

 

6. How to Check Repayment History

After entering the Crypto Loans page, click Orders in the top-right corner > Crypto Loans orders > Repayment History.

• Click on the Repayment History.
• Check repayment status.

 

7. How to Renew Your Loan

Follow Instruction 2 to access the Crypto Loans orders page, then continue with the steps below.

• Access the details page of Crypto Loans orders.
• Select Renew.
• Click the "Confirm" button.

Note: Renewals can be made within 48 hours before the due date. When you initiate a renewal, the system will deduct any interest accrued, and the loan term will be reset based on the new renewal period. Overdue orders are not eligible for renewal. The renewal amount is capped, so please check the order page for further details.