PayBitoPro Crypto Loans

Getting Started

How Do Paybito Crypto Loans Work?

Paybito many loanable and collateral assets, including BTC, ETH, USDT, BUSD, BNB, and more.
You can check the latest list of supported assets and interest rates on the Paybito Loans page.

There are two types of Paybito loans: flexible and stable. However, the interest rates
and borrowing limits depend on the crypto asset you intend to borrow and whether you are a VIP or regular
user. Interest is also calculated hourly or annually.

The two loan types have conditions that appeal to different users based on how much you intend
to borrow and the interest rate.

Flexible Rate Loan

This isolated, overcollateralized, open-term loan product allows you to borrow
cryptocurrencies without committing to a specific loan term using your crypto assets as collateral. There is
interest on borrowed cryptocurrencies with this loan option, and the interest rate is determined by the type
of cryptocurrency being borrowed and the current market conditions. Interest is accrued every minute and is
added to the total outstanding loan balance. You can repay your loans at any time without penalty.

You can also use borrowed cryptocurrencies for various purposes, such as trading, margin
trading, or staking.

Stable Rate Loan

This loan type allows you to borrow USDT or BUSD against your cryptocurrency holdings. The
loan is collateralized, meaning you must provide Paybito with an equivalent cryptocurrency. The interest
rate for a stable loan is fixed and based on the loan-to-value (LTV) ratio–the percentage of the
collateralized loan. For example, if the LTV ratio is 50%, you must provide Paybito twice as much crypto as
you are borrowing.

This loan type is a good option if you need access to cash quickly and have crypto holdings
that you are willing to use as collateral. The fixed interest rate makes it easy to budget for repayments,
and the LTV ratio ensures you stay within budget.

How Does Collateral Work On Paybito?

Paybito allows you to borrow as much as ten times your assets and up to 65% of the value of
collateral. Although the amounts you can borrow or put as collateral varies according to the crypto asset.

The collateral is held as security for the crypto assets you borrow. However, if the current
loan value-collateral value exceeds what was borrowed-pledged, Paybito reserves the right to claim the
The current loan value-collateral value, or LTV, can exceed the liquidation LTV if the borrowed assets’
worth rises or the collateral’s value drops.

How to Get a Paybito Crypto Loan

Before borrowing a crypto loan from Paybito, you should be aware that the exchange requires
collateral, and there is a minimum amount you can borrow, depending on the asset you need to process your
loan. Here’s how you can borrow a crypto loan on Paybito:

  • 1. Create and verify your Paybito account if you don’t already have one
  • 2. On the Paybito homepage, hover over Other Features and click on Loans.
  • 3. Choose a loan type (stable or flexible) and enter the amount you wish to borrow. Then, choose a
    collateral asset. Based on the initial LTV, the system will instantly calculate the collateral amount.
    You will also see the annualized and net-annualized interest rates, estimated minute interest, and
    liquidation price
  • 4. Make sure you read and agree to Paybito Loan Service Agreement and Simple Earn Service Agreement before
    you check the box next to it and click Start Borrowing.
  • 5. You will see a pop-up confirming the loan. Click Confirm to complete the process

Here are some tips you should keep in mind before diving into a Paybito crypto loan:

  • 1. Wisely choose your loanable coin and collateral: Paybito has a wide range of crypto assets as collateral and loanable coins, which you should carefully review. The collateral and loan amount is determined by the initial loan-to-value (LTV) ratio, which is the percentage of the loan amount divided by the collateral value. So, the higher the LTV, the higher the risk of liquidation.
  • 2. Monitor your LTV ratio: Your LTV ratio changes according to the market price of your collateral and loanable assets. If your LTV ratio reaches or exceeds 90%, your collateral will be liquidated automatically to repay your loan.
  • 3. Monitor your LTV ratio: Your LTV ratio changes according to the market price of your collateral and loanable assets. If your LTV ratio reaches or exceeds 90%, your collateral will be liquidated automatically to repay your loan.

How to Repay a Paybito Crypto Loan

You can repay your Paybito crypto loan by following these steps:

  • 1. Log in to your Paybito account, hover over Other Feature and click on Loans.
  • 2. Click on Active Loan.
  • 3. Under Ongoing Orders, Click Repay next to the order you wish to repay.
  • 4. Enter the repayment amount (or click on MAX beside the coin), or select a repayment ratio if you want to pay in bits. If you want to keep the collateral in the order, check the box. Go over the details and then click Confirm Repayment.
  • 5. After the payment has been processed, you will get a confirmation message.

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