Product updates
Bitget Unified Account Fixed Rate Program for Margin Trading
2026-02-05 10:370334
To build a healthier institutional funding ecosystem and empower your trading strategies, Bitget officially launches the Unified Account Margin Trading Rate Optimization Program! This program provides an industry-leading financing cost optimization solution through an innovative dual interest rate protection mechanism.
1.Tiered Interest Rates: The More You Borrow, The Lower Your Cost
1.1 Base Interest Rate (Based on 30-day Average Borrowing Volume)
Enjoy tiered preferential interest rates based on your incremental Unified Account margin borrowing volume:
30-day Average Unified Account Margin Borrowing Volume =
Sum of Daily Borrowing Volume within the Calendar Month / Number of Borrowing Days within the Calendar Month
Interest Rate Tier:
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30-day Borrowing Volume
|
Applicable 30-day Fixed Rate
|
|
≥ 1M USDT
|
3.21%
|
|
≥ 3M USDT
|
3.16%
|
|
≥ 5M USDT
|
3.10%
|
|
≥ 8M USDT
|
3.04%
|
|
≥ 10M USDT
|
2.99%
|
|
≥ 15M USDT
|
2.93%
|
|
≥ 20M USDT
|
2.88%
|
Note: The specific interest rate table is updated on the 1st of each month. Please refer to the official announcement for the latest rates.
1.2 Growth Interest Rate Discount (Optional Additional Discount)
In addition to the base rate, you can earn an additional 0.05%-0.35% interest discount each month based on your incremental borrowing volume.
30-day Incremental Unified Account Margin Borrowing Volume =
30-day Average Daily Borrowing Volume for the Current Month - 30-day Average Daily Borrowing Volume for the Previous Month
Discount Tier:
|
30-day Incremental Borrowing Volume
|
Additional Interest Rate Discount
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|
≥ 1M USDT
|
-0.05%
|
|
≥ 3M USDT
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-0.09%
|
|
≥ 5M USDT
|
-0.13%
|
|
≥ 8M USDT
|
-0.18%
|
|
≥ 10M USDT
|
-0.22%
|
|
≥ 15M USDT
|
-0.26%
|
|
≥ 20M USDT
|
-0.30%
|
Note: The specific discount table is updated on the 1st of each month. Please refer to the official announcement for the latest discounts.
2. Dual Interest Rate Protection: Optimizing Both Risk and Cost
Core Settlement Mechanism
Monthly Settlement Rate = min(Current Month's Average Market Rate, Your Fixed Rate)
Triple Protection Benefits
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Downside Protection: Market rates decrease → Automatically enjoy lower market rates
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Upside Lock: Market rates increase → Lock in preferential fixed rates
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Always Optimal: The system automatically selects the most favorable rate for you
Value Illustration
Assuming your locked fixed rate is 2.62%:
|
Market Scenario
|
Settlement Rate
|
Your Advantage
|
|
Market Rate rises to 3.50%
|
2.88%
|
Saves 0.62% in cost
|
|
Market Rate falls to 2.10%
|
2.10%
|
Automatically enjoys lower market rate
|
|
Market Rate equals 2.62%
|
2.62%
|
Locks at a predetermined cost in advance
|
3. Program Details
|
Item
|
Details
|
|
Borrowing Currency
|
USDT
|
|
Maximum Borrowable Amount
|
No upper limit (within the platform's overall risk control quota)
|
|
Trading Product
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Unified Account margin trading
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|
Loan Tenure
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Market loan borrowing with fixed-rate cost locking benefits
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|
Repayment Method
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Borrow and repay at any time
|
|
Fixed Rate Updates
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Interest rate table updated on the 1st of each calendar month
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Interest Rate Settlement Mechanism
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Monthly Settlement Rate = min(Current Month's Average Market Rate, Your Fixed Rate)
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|
Interest Calculation
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Accrued hourly during the borrowing period, calculated in real-time at the market rate
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|
Difference Rebate
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Settled monthly at month-end; the difference between the fixed rate and the market rate is rebated
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Rebate Distribution
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Airdropped to the user's spot account within 7 working days of the following month
|
4. Calculation Details
4.1 Borrowing Volume Assessment Formula
30-day Average Daily Unified Account Margin Borrowing Volume =
Sum of Daily Margin Borrowing Volume within the Calendar Month / Number of Borrowing Days within the Calendar Month
30-day Incremental Unified Account Margin Borrowing Volume =
30-day Average Daily Borrowing Volume for the Current Month - 30-day Average Daily Borrowing Volume for the Previous Month
4.2 Interest Calculation and Rebate Formula
Actual Interest Paid = ∑(Hourly Borrowing Balance × Real-time Market Rate)
Interest Payable at Fixed Rate = ∑(Hourly Borrowing Balance × Fixed Rate / (365 * 24))
Rebate Difference = Actual Interest Paid - Interest Payable at Fixed Rate
(If the result is negative, the rebate amount is 0)
4.3 Settlement Example
Client Scenario:
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Monthly Average Borrowing Balance: 10,000,000 USDT
-
Monthly Average Incremental Borrowing: 5,000,000 USDT
-
Applicable Fixed Base Rate: 2.78%
-
Applicable Additional Interest Rate Discount: -0.13%
-
Applicable Final Fixed Rate: 2.78% - 0.13% = 2.65%
-
Current Month's Average Spot Rate: 3.20%
Calculation:
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Interest Payable at Spot Rate: 10,000,000 × 3.20% ÷ 12 = $26,667
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Interest Payable at Final Fixed Rate: 10,000,000 × 2.65% ÷ 12 = $22,083
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Rebate Difference: $26,667 - $22,083 = $4,584
Result: The client's actual financing cost is 2.65%, resulting in interest savings of $4,584.
5. Participation Method
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Participation: All eligible Bitget institutional users are eligible for this program. Contact your BD / send an email to institution@bitget.com to enroll.
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Rate Confirmation: Check your exclusive interest rate tier on the 1st of each month.
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Normal Trading: Use margin trading in your Unified Account as usual.
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Automatic Rebate: Receive the interest difference rebate within 7 working days of the following month.
6. Important Notes
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This program is only available to Bitget-verified institutional users.
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The interest rate table is updated on the 1st of each month. Please follow official announcements.
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All calculations are performed automatically by the system to ensure fairness and transparency.
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If you have any questions, please contact your dedicated Account Manager.
Experience Bitget's Unified Account Fixed Rate Program for Margin Trading now! Enjoy better financing costs and empower your trading strategy!
Join Bitget, the World's Leading Crypto Exchange and Web3 Company
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