Tales and Evaluations
February 28, 2026
Chainwire
Printed: February 28, 2026 at 3:03 am Up to date: February 28, 2026 at 3:03 am
Dubai, UAE, February twenty eighth, 2026, Chainwire
Bybit, the world’s second-largest cryptocurrency trade by buying and selling quantity, has launched a fixed-rate borrowing possibility underneath its Unified Buying and selling Account (UTA) Mortgage product, bringing collectively leverage of as much as 10 occasions and stuck borrowing intervals of as much as 180 days inside a single unified account — a mixture that is still uncommon within the digital asset market.
Bybit’s Unified Buying and selling Account is designed to permit customers to handle spot buying and selling, derivatives buying and selling, and borrowing actions inside a single account construction utilizing shared collateral and built-in margin administration. By means of UTA Mortgage, customers can borrow property through Auto Borrow, triggered routinely by buying and selling exercise, or Guide Borrow, initiated upfront. With the introduction of fixed-rate borrowing, customers can now select between floating-rate flexibility and fixed-rate price certainty, whereas sustaining entry to as much as 10x leverage for eligible buying and selling actions.
The brand new fixed-rate possibility represents a major enlargement of UTA Mortgage, which beforehand centered on floating-rate borrowing with curiosity calculated on an hourly foundation and with out predefined mortgage maturities, a construction primarily suited to short-term funding wants. Against this, the brand new fixed-rate possibility permits customers to lock in each rate of interest and mortgage period upfront, enabling longer-term planning whereas sustaining entry to larger leverage of as much as 10x underneath UTA.
Efficient Feb. 28, 2026, at 8 a.m. UTC, customers can entry fixed-rate borrowing by Guide Borrow in UTA, with predefined mortgage tenors starting from short-term durations to prolonged borrowing intervals of as much as 180 days. Customers can entry fixed-rate borrowing by navigating to Belongings → Unified Buying and selling Account → Borrow. As soon as authorized, borrowing quotas are reserved for the chosen time period, offering clearer expectations round funding availability and value over the lifetime of the mortgage.
By pairing longer-dated fixed-rate borrowing (as much as 180 days) with leverage obtainable for eligible actions underneath UTA — together with spot margin buying and selling with leverage of as much as 10x — Bybit allows customers to deploy leveraged methods over longer horizons with higher visibility into financing prices. Within the broader crypto market, fixed-rate loans are usually restricted to shorter durations or provided individually from leveraged buying and selling frameworks, making this built-in construction inside UTA notably unusual.
Below the fixed-rate mannequin, each the rate of interest and maturity date are confirmed on the time of borrowing and stay unchanged all through the mortgage time period. This construction is designed for customers who prioritize price predictability when managing leveraged positions past short-term market actions.
The fixed-rate UTA Mortgage additionally helps continued borrowing throughout the authentic mortgage interval. If a mortgage is repaid earlier than maturity, customers might re-borrow throughout the remaining time period with out further curiosity, whereas the unique maturity date stays unchanged, enhancing capital effectivity throughout the similar borrowing window.
With the addition of fixed-rate borrowing, prolonged mortgage durations of as much as 180 days, and entry to larger leverage inside UTA, Bybit continues to broaden its unified account framework to assist extra structured and long-term capital administration within the digital asset market.
Whereas the utmost fixed-rate mortgage time period is 180 days, customers might also select shorter mortgage durations to align with completely different buying and selling methods and funding wants.Â
#Bybit / #CryptoArkÂ
About Bybit
Bybit is the world’s second-largest cryptocurrency trade by buying and selling quantity, serving a world group of over 80 million customers. Based in 2018, Bybit is redefining openness within the decentralized world by creating an easier, open and equal ecosystem for everybody. With a powerful give attention to Web3, Bybit companions strategically with main blockchain protocols to offer sturdy infrastructure and drive on-chain innovation. Famend for its safe custody, numerous marketplaces, intuitive person expertise, and superior blockchain instruments, Bybit bridges the hole between TradFi and DeFi, empowering builders, creators, and fanatics to unlock the complete potential of Web3. Uncover the way forward for decentralized finance at Bybit.com.
For extra particulars about Bybit, please go to Bybit PressÂ
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Contact
Head of PRTony AuBybit[email protected]
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