How to open a credit line

Documentation Index

Fetch the complete documentation index at: https://docs.roxom.com/llms.txt

Use this file to discover all available pages before exploring further.

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TL;DR

If your account is whitelisted for Roxom Loans, you can open a Bitcoin-Backed Credit Line directly from your Portfolio → Loans menu (roxom.com/exchange/account/loans). You choose how much USDT to borrow (minimum USDT 200), select your target LTV (1%–50%), accept the Terms & Conditions, and receive the USDT in your funding account immediately. Once open, you can Adjust collateral, Borrow More, or Repay at any time, and review all activity in History Log.

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Before you start

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1. Open the Loans section

From the app header, open the Portfolio menu. At the bottom of the Portfolio panel, click Loans. You can also navigate directly to roxom.com/exchange/account/loans. The Loans section has two tabs:

• Credit Line — the main view where you open, monitor, and manage your active loan.
• History Log — full activity record (covered in History Log below).

If you do not have an active credit line, the Credit Line tab shows the available asset (USDT against BTC collateral) with the following fields:

• Annual Interest Rate — current APR, variable (currently 7.25%).
• Duration — Open Ended. The loan has no maturity date.
• Max LTV — maximum loan-to-value at origination (50%).
• Liquidation — the LTV at which the system triggers a partial liquidation (80%).

Click Open credit line to start.

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2. Configure the credit line

The Open Credit Line modal lets you size the loan. The two inputs are linked: changing one updates the other and recalculates margin call and liquidation prices in real time. You can simulate any amount even if you do not currently hold enough BTC — the modal still updates the summary so you can see what the loan would look like. If your funding account does not have enough BTC to back the requested borrow amount at the chosen LTV, the modal shows an “Insufficient BTC in your Funding Account” warning and the Confirm & Open Credit Line button stays disabled until the gap is covered.

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Summary panel

As you configure the loan, the Summary panel updates with:

• Amount — USDT to be disbursed.
• Loan-to-Value (LTV) — chosen ratio.
• BTC Collateral — BTC to be locked, plus its current USD equivalent.
• Margin call — the LTV threshold (70%) and the BTC price at which it would be reached.
• Liquidation — the LTV threshold (80%) and the BTC price at which it would be reached.
• Annual Interest Rate — current APR and the estimated monthly interest cost.

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3. Accept the Terms & Conditions and confirm

Check the I agree to the Terms & Conditions box and click Confirm & Open Credit Line. You will see a confirmation screen — Credit Line Opened — showing:

• Borrowed — USDT credited to your funding account.
• Collateral — BTC locked.
• LTV — final LTV at origination.

The USDT is credited to your funding account immediately. From there you can:

• Move it to your trading account to trade.
• Withdraw it off-platform.
• Use it for any other on-platform action available to your funding account.

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4. Monitor your active credit line

Once a credit line is active, the Credit Line tab replaces the “open a credit line” view with your live position. The top of the page shows:

• Total Debt — borrowed amount plus accrued interest to date, with the BTC equivalent.
• Collateral — BTC currently locked, with the USD equivalent.

The detailed row shows: Three actions are available on the active credit line: Adjust, Borrow More, Repay.

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Loan status

From a user perspective, a credit line is either:

• Active — open with a positive outstanding debt. Visible in the Credit Line tab with the three action buttons.
• Closed — fully repaid (by you) or fully liquidated. Collateral has been unlocked and returned to the funding account, and the Credit Line tab returns to the “open a credit line” view.

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Notifications

Notifications are delivered by email to the address registered on your Roxom account. Critical events that trigger an email include the margin call at 70% LTV. Make sure your account email is current and that Roxom messages are not filtered to spam.

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5. Adjust collateral

Click Adjust to open the Adjust Collateral modal. Two tabs are available:

• Increase Collateral — add BTC from your funding account to the existing loan. This lowers your LTV and pushes the margin call and liquidation prices further away. Use this to react to a price drop or to preempt a margin call.
• Decrease Collateral — withdraw part of the locked BTC back to your funding account. Allowed only if the resulting LTV stays at or below 50%. This is also how you capture the upside if BTC has appreciated since opening the loan — the LTV drops on its own, freeing collateral you can pull back.

The modal shows the current collateral and previews the new LTV, margin call price, and liquidation price before you confirm.

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Change your target LTV

There is no direct “edit target LTV” control once a credit line is open. You change your effective LTV by combining the existing actions: In all cases, the modal previews the new LTV, new margin call price, and new liquidation price before you confirm, so you can effectively dial your LTV to any target between 0% and 50%.

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6. Borrow more

Click Borrow More to increase your outstanding debt against the same collateral.

• Minimum additional borrow: USDT 200.
• Maximum: capped by 50% LTV on your current collateral and by your account-level credit limit (default USDT 100,000).
• The modal shows Max you can borrow based on the 50% LTV cap. Your remaining headroom under the credit limit is shown as used / total USDT.

Confirming Borrow More disburses the additional USDT to your funding account and recalculates LTV, margin call, and liquidation prices.

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Credit limit and increases

Each user has an account-level credit limit — a ceiling on total outstanding USDT debt across the lifetime of the credit line, independent of the 50% LTV per-loan cap. It is displayed in the Open Credit Line and Borrow More modals as used / total USDT (for example, 1,000 / 100,000 USDT). The default credit limit is USDT 100,000 per account. If you need a higher cap, click Increase → next to the credit limit. This opens a request a credit limit increase flow that contacts our support team. Increases are subject to available liquidity and internal review — they are not granted automatically.

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7. Repay

Click Repay to open the Make repayment modal.

• Enter any amount up to the total outstanding debt.
• MAX repays the full debt.
• The modal previews the new debt and new LTV before confirmation.

Repayment behavior:

• Partial repayment — reduces total debt and LTV. Collateral stays locked. Payments are applied to accrued interest first, then principal.
• Full repayment — closes the credit line. Collateral is unlocked and returned to your funding account immediately.

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How to repay if you do not have USDT

The debt is denominated in USDT and must be repaid in USDT held in your funding account. If you do not have enough USDT:

• Deposit USDT into your funding account.
• Sell other assets on Roxom (including, if you choose, BTC you hold outside the collateral) to obtain USDT, then repay.
• Move USDT in from your trading account if you hold it there.

The Repay modal shows the USDT Available in your funding account. If the amount is below the value you enter, you must top up first.

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After full repayment

The Credit Line tab returns to the “open a credit line” view. You can open a new credit line whenever you want — only one active credit line per user at a time, but no cooldown between credit lines once the previous one is closed.

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History Log

The History Log tab (top right of the Loans section) is the full audit trail of your credit line activity. Each row shows:

• Date & time of the event.
• Type of event — for example: Interest Accrued, Collateral Liquidated, Liquidation Fee, Loan Liquidated, repayments, top-ups, borrow-more, and opens / closes.
• Amount (in BTC or USDT, depending on the event).
• Impact — short description (for example, “Seized for liquidation”, “Liquidation fee”, “Interest accrued”, “Liquidated: collateral fully seized”).
• Loan — the loan ID associated with the event.
• Status — typically Completed.

Filters at the top let you narrow by event type, loan, and time range.

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Where to look in the app

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Related reading

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Need help?

Still have questions? You can speak to Roxy, our AI support assistant, available 24/7 in the chat bubble at the bottom right of your screen. You can also contact our support team directly at help@roxom.com.