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To strengthen stability and risk controls for Crypto Loan manual repayments, we're upgrading:

• How we calculate coin-conversion repayment fees

• The repayment limit for coin-conversion repayments

This update takes effect Jan 28, 2026, 8AM UTC. Review the changes below.

When you repay Crypto Loan debt using collateral via coin conversion, we’ll apply the higher fee rate:

Actual coin-conversion repayment fee rate = max (collateral asset coin-conversion fee rate, debt asset coin-conversion fee rate)

If you use BTC collateral to repay a USDT debt, the fee rate charged is the higher of BTC’s and USDT’s coin-conversion fee rates.

https://docs.google.com/spreadsheets/d/1s10W8JhiUGDGlOI1uveor5VuaPkNxAUWZXGAYurJ2nw/edit?gid=0#gid=0

To manage the market impact of large coin-conversion repayments, we’re introducing a per-repayment limit for the functions below.

 We may adjust this limit based on market conditions, liquidity and risk controls. Any changes will be announced in advance.

If the USD-equivalent amount you need to repay for a single debt asset (via coin conversion) reaches or exceeds the system limit:

We first use your available balance of the same asset for direct repayment.

• If the remaining debt reaches or exceeds the system limit, Single-asset repayment can’t be used for this repayment.

• If the remaining debt is below the system limit, repayment is allowed. Coin conversion applies only to the shortfall.

If the USD-equivalent total of all debts you need to repay (via coin conversion) reaches or exceeds the system limit:

We first use your available balances of each debt asset for direct repayment (converted to USD-equivalent and summed).

• If the remaining total debt reaches or exceeds the system limit, Full repayment can’t be used.

• If the remaining total debt is below the system limit, repayment is allowed. Coin conversion applies only to the shortfall.

 $100,000 equivalent in ETH | Wallet: $40,000 equivalent in ETH

Coin-conversion amount = 320,000 − 60,000 = $260,000 equivalent

Below the limit → Single-asset repayment is allowed

Total coin-conversion amount = $320,000 equivalent

Above the limit → Full repayment isn’t allowed

If your coin-conversion repayment amount reaches the system limit, you can still repay by:

• Buying the debt asset on the spot market manually

• Waiting for the asset to be credited to your wallet

• Using single-asset repayment or full repayment to complete repayment

Crypto Loan manual repayment update

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