Registration and Authentication: Users must register an account on the crypto platform and complete identity verification and Know Your Customer (KYC) procedures as required.

Supported Assets: The platform will publish a list of supported cryptocurrency and lending assets. Users may select from these to provide collateral and access lending services.

Collateral and Lending Assets: Users may deposit specific cryptocurrency assets as collateral in order to borrow designated lending assets.

Lending Interest Rate: Interest rates for lending transactions will be published by the platform and are determined by market supply and demand, as well as the value of the collateral. Rates may be adjusted in response to market fluctuations.

Lending Term: Each lending transaction will have a fixed term. Users must repay the borrowed assets and accrued interest within the specified period.


Risk Disclosure: Lending transactions involve market risks. Users should fully understand and accept these risks before participating. The platform may provide relevant risk disclosures and recommendations.

Collateral Maintenance: To maintain a valid lending transaction, users must ensure that the value of their collateral remains above a specified threshold (e.g., 120% of the borrowed asset value). If the collateral falls below the maintenance ratio, users may be required to add collateral or repay part of the loan.

Collateral Liquidation: If the collateral value drops significantly and fails to meet the maintenance requirement, the platform reserves the right to liquidate the collateral without prior notice. Proceeds from liquidation will be used to repay the outstanding loan.


Early Repayment: Users may repay the borrowed assets and interest before the end of the loan term. Early repayment may be subject to additional fees.

Platform Fees: The platform will charge a transaction fee, calculated as a percentage of the loan amount to support its operations and services.

Smart Contract Execution: All lending transactions will be managed and executed via smart contracts on the platform to ensure transparency and security.

Legal Compliance: Crypto lending transactions may be subject to local financial laws and regulations. Users are responsible for ensuring compliance with applicable legal requirements.


Fund Segregation and Repayment Rules: To protect user funds, the platform enforces strict segregation between user investments and company or trader accounts. User funds are held in separate international bank accounts within financial centers which are isolated and distinguished with operational funds. As a result, borrowers must use external funds, not trading account balances to repay loans. This policy ensures the safety of investor assets and prevents fund mixing. This rule is enforced under the supervision of the U.S. Securities and Exchange Commission (SEC) and the Commodity Futures Trading Commission (CFTC), in accordance with the highest standards of financial law. All users are required to comply. Breach of this rule may result in legal liability, including potential legal proceedings.