Bybit Introduces Fixed-Rate UTA Loans Offering Up to 10x Leverage and Up to 180-Day Borrowing

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February 28, 2026

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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 alternate by buying and selling quantity, has launched a fixed-rate borrowing choice below its Unified Buying and selling Account (UTA) Mortgage product, bringing collectively leverage of as much as 10 instances and stuck borrowing intervals of as much as 180 days inside a single unified account — a mixture that continues to be 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 belongings through Auto Borrow, triggered robotically by buying and selling exercise, or Handbook 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 choice represents a big enlargement of UTA Mortgage, which beforehand targeted on floating-rate borrowing with curiosity calculated on an hourly foundation and with out predefined mortgage maturities, a construction primarily fitted to short-term funding wants. In contrast, the brand new fixed-rate choice permits customers to lock in each rate of interest and mortgage length upfront, enabling longer-term planning whereas sustaining entry to greater leverage of as much as 10x below UTA.

Efficient Feb. 28, 2026, at 8 a.m. UTC, customers can entry fixed-rate borrowing by Handbook 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 authorised, 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 below UTA — together with spot margin buying and selling with leverage of as much as 10x — Bybit permits customers to deploy leveraged methods over longer horizons with better 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 unique mortgage interval. If a mortgage is repaid earlier than maturity, customers might re-borrow throughout the remaining time period with out extra curiosity, whereas the unique maturity date stays unchanged, enhancing capital effectivity throughout the identical borrowing window.

With the addition of fixed-rate borrowing, prolonged mortgage durations of as much as 180 days, and entry to greater leverage inside UTA, Bybit continues to develop its unified account framework to help extra structured and long-term capital administration within the digital asset market.

Whereas the utmost fixed-rate mortgage time period is 180 days, customers may select shorter mortgage durations to align with completely different buying and selling methods and funding wants.

#Bybit / #CryptoArk

About Bybit

Bybit is the world’s second-largest cryptocurrency alternate by buying and selling quantity, serving a worldwide neighborhood of over 80 million customers. Based in 2018, Bybit is redefining openness within the decentralized world by creating a less complicated, open and equal ecosystem for everybody. With a powerful deal with Web3, Bybit companions strategically with main blockchain protocols to supply strong infrastructure and drive on-chain innovation. Famend for its safe custody, various marketplaces, intuitive consumer expertise, and superior blockchain instruments, Bybit bridges the hole between TradFi and DeFi, empowering builders, creators, and fans to unlock the total potential of Web3. Uncover the way forward for decentralized finance at Bybit.com.

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