In the fast-moving world of cryptocurrency, accessing strategic financial tools can make the difference between seizing opportunities and missing out. CoinEx Lending emerges as a powerful solution, enabling users to unlock liquidity from their digital assets—without selling or liquidating holdings. Designed for both seasoned traders and crypto enthusiasts, this service enhances capital efficiency while maintaining full exposure to asset appreciation.
What Is CoinEx Lending?
CoinEx Lending allows users to borrow various cryptocurrencies by pledging assets like BTC, ETH, and USDT as collateral. A standout feature is the 100% discount rate applied to these major assets—meaning their full market value is considered when calculating borrowing power. This sets CoinEx apart in an ecosystem where over-collateralization is often the norm.
Unlike traditional loans, there’s no credit check or lengthy approval process. Instead, users lock up their crypto in a secure environment and instantly gain access to funds they can use for trading, investment diversification, or personal needs—all while retaining long-term upside on their pledged assets.
👉 Discover how you can turn your crypto into working capital today.
How CoinEx Stands Out Against DeFi Lending Platforms
Decentralized Finance (DeFi) lending platforms have popularized permissionless borrowing, but they come with structural limitations. Most DeFi protocols apply a loan-to-value (LTV) ratio below 100%, requiring borrowers to post significantly more collateral than the loan amount—often at minimum collateralization ratios between 120% and 150%.
For example:
- On a typical DeFi platform with an 80% LTV, a user must pledge $90,000 worth of BTC to borrow $72,000.
- If the price drops and the collateral ratio falls below the threshold, automatic liquidation follows—potentially leading to irreversible losses.
CoinEx simplifies this model. With a 100% discount rate on key assets like BTC, ETH, and USDT, users maximize borrowing capacity without over-committing capital. The result? Greater flexibility, reduced risk of liquidation, and improved capital utilization.
Real-World Example: Maximizing Borrowing Power with BTC
Let’s consider Alice, who holds 1 BTC valued at $90,000 and wants to leverage her position.
On CoinEx Lending:
- Collateral Value: $90,000
- Discount Rate: 100%
- Effective Collateral Value: $90,000
- Initial LTV: 80%
- Maximum Loan Amount: $90,000 × 80% = **$72,000**
She receives the full $72,000 in borrowed funds immediately—with no requirement to deposit additional assets beyond her 1 BTC.
On a Typical DeFi Platform (80% Mortgage Factor):
- Max Loan: $72,000
- Required Collateral Ratio: 125%
- Collateral Needed: $72,000 × 125% = **$90,000**
While the numbers appear similar, the mechanics differ: DeFi demands over-collateralization, tying up more capital for the same outcome. CoinEx eliminates that inefficiency through its optimized risk framework.
Key Advantages of CoinEx Lending
1. Tiered Collateral Discount Mechanism
Not all cryptocurrencies carry the same level of market stability. To manage risk effectively, CoinEx applies a tiered discount system based on each asset’s volatility and liquidity profile. High-liquidity assets like BTC and ETH receive favorable treatment (up to 100% discount), while less stable tokens are adjusted accordingly.
This ensures system-wide resilience during market swings and protects users from cascading liquidations triggered by short-term price fluctuations.
2. Loan Asset Recovery System
When a lending pool approaches its risk ceiling—such as high utilization or declining collateral quality—the platform temporarily pauses new loans. Rather than force liquidations, it waits for existing loans to mature naturally.
This graceful degradation approach reduces systemic stress and gives borrowers time to adjust positions voluntarily, enhancing overall platform stability.
3. Instant Disbursement & Auto-Renewal
Speed matters in volatile markets. With CoinEx Lending:
- Funds are disbursed immediately after loan confirmation.
- Auto-renewal is enabled by default, extending your loan every 10 days if conditions allow.
- No manual intervention required—avoid accidental defaults due to missed deadlines.
This seamless experience supports active traders who need reliable, uninterrupted access to capital.
4. Security and Platform Resilience
Crypto markets evolve rapidly—blockchains upgrade, tokens migrate, and networks rebrand. During such transitions (e.g., cross-chain migrations), many platforms suspend services. Not CoinEx.
Lending operations continue uninterrupted even during technical upgrades. Furthermore:
- A portion of daily interest income and liquidation fees is allocated to a dedicated insurance fund.
- This fund acts as a buffer against extreme scenarios, helping safeguard user assets.
👉 See how leading platforms protect your digital wealth with advanced risk controls.
5. Diverse Collateral Options
Flexibility is built into the core design. You can pledge multiple supported cryptocurrencies simultaneously—even when borrowing a single asset. Whether you hold BTC, ETH, USDT, or other eligible tokens, you can combine them to meet collateral requirements efficiently.
This multi-asset support increases accessibility for users with diversified portfolios.
Frequently Asked Questions (FAQ)
Q: Which assets can I use as collateral on CoinEx Lending?
A: Major cryptocurrencies including BTC, ETH, and USDT are supported with preferential discount rates. Additional assets may be accepted based on market depth and risk assessment.
Q: Can I borrow stablecoins using my BTC holdings?
A: Yes. You can borrow USDT or other available stablecoins using BTC as collateral, allowing you to maintain exposure to Bitcoin’s price movements while accessing liquid funds.
Q: What happens if my collateral value drops significantly?
A: You’ll receive margin alerts before reaching critical levels. If the threshold is breached and no action is taken, partial or full liquidation may occur to cover the debt.
Q: Are there any hidden fees?
A: No. Interest rates are transparently displayed before confirming any loan. There are no setup fees, renewal fees, or early repayment penalties.
Q: How often is interest charged?
A: Interest is calculated hourly and deducted from your loan balance upon repayment or renewal.
Q: Is my collateral safe during blockchain upgrades?
A: Yes. CoinEx ensures continuous service during network transitions such as hard forks or cross-chain migrations. Your pledged assets remain valid and protected.
Final Thoughts: Why CoinEx Lending Matters in 2025
As crypto adoption accelerates, the demand for efficient financial tools grows. CoinEx Lending answers that need by offering a balanced blend of accessibility, security, and capital efficiency.
By applying a 100% discount rate on top-tier assets and avoiding unnecessary over-collateralization requirements common in DeFi, it empowers users to:
- Leverage existing holdings without selling
- Access instant liquidity
- Maintain market exposure
- Reduce operational friction with auto-renewal
Whether you're hedging positions, expanding trading strategies, or simply need short-term capital, CoinEx Lending provides a reliable bridge between asset ownership and financial agility.
👉 Start leveraging your crypto assets with a smarter lending solution.