A clear borrowing limit
New loans are limited to 23% of the USDT value of your wallets, staked assets and shares. All active debt, including Cross Import, uses this capacity.
Borrow against what you already hold
Keep your coins. Borrow the currency you need.
Borrow up to 23% of your eligible assets’ USDT value in the same or another supported currency. No need to sell your original coins.
Your existing balances stay in place.
Your borrowing power
— of your total asset value
Wallets · Staked assets · Shares
Weekly—per interest period
Monthly—per interest period
Keep your existing assets
Your balances stay in place. Withdrawals of the borrowed currency and any selected collateral currency pause until repayment.
Choose your currency
Receive any currency with an available exchange price and transfer network, even if you do not already hold it.
One loan, one repayment account
Each loan has a dedicated repayment address. Send payments externally in the debt currency on the displayed network. Main-wallet balances cannot repay a loan.
Plan before you apply
A clearer picture of your loan
Choose the asset you keep and the currency you borrow. Compare the limit and repayment plan.
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From application to repayment
Four steps. Everything explained.
- 01
Check your borrowing power
Your balances are valued in USDT. The ceiling is 23% of that value.
- 02
Build your repayment plan
You choose the currency, the amount, and weekly or monthly compound interest.
- 03
Receive your funds
The borrowed currency is sent to your chosen address. Your original collateral stays in place. Withdrawals of the borrowed and selected collateral currencies pause until repayment.
- 04
Repay on your schedule
Each installment returns to the repayment wallet for that loan, in the same currency.
Your questions, answered
Know before you borrow
Understand new loans and existing-debt repayments, including the differences for Cross Import.
What am I borrowing?
A newly issued loan is sent in your chosen currency to the address you enter. Your existing wallet, stake and shares stay in place and form the base for the 23% limit. Cross Import instead records a previously issued external debt; there is no new payout, and only its separately listed assets are credited.
How much can I borrow?
New borrowing is limited to 23% of the USDT value of eligible assets. All active debt shares this capacity. Cross Import migrates an existing debt rather than approving a new payout, and that debt also counts toward used capacity. Repaid debt releases capacity.
How is interest charged?
The accepted repayment plan specifies the rate charged on remaining principal, installment dates and total repayment. Cross Import uses the rates registered for its source record; these may be zero and can differ from new-loan rates.
Where do I send a payment?
Every loan, including Cross Import, uses its own dedicated repayment address. Send the debt currency through the displayed network from an external wallet. This address is separate from normal deposit addresses. Main-wallet balances cannot be used for repayment; incoming funds are applied to installments in order.
What if I send too much?
Excess funds sent to a loan repayment address are applied to the next installment in order. The repayment account is separate from your main wallet; no main-wallet balance is debited.
When does an early payment lower the interest?
Only when more than 3 days remain before that installment’s due date. The interest for the days you skip is removed. With 3 days or less left, the early-payment discount does not apply and the full installment is due.
What is locked while a loan is open?
Withdrawals of the borrowed currency and any wallet currency explicitly selected as collateral are paused here and on the main site until the loan is repaid. Collateral stays in its wallet; it is not swapped or sent out. Other currencies remain available unless restricted by another loan.
