Institutional Services
Bitget Institutional Loan BTC Fixed-Rate Product
2026-09-18 12:060628
To meet the diversified funding needs of professional institutional investors, Bitget is officially launching the BTC Institutional Loan Fixed-Rate Product. This product is designed exclusively for institutional users, offering a 365-day ultra-long term, an ultra-low 1% fixed annual interest rate, and repayment at any time, helping you flexibly manage funding costs and optimize trading strategies.
I. Product Overview
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Item
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Details
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Product Name
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Bitget Institutional Loan — BTC Fixed Rate
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Eligible Clients
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KYB-verified institutional clients (PRO1 and above)
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Loan Currency
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BTC
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Fixed Annual Interest Rate
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1%
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Loan Term
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365 days
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Repayment Method
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Repay at any time, no prepayment penalty
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Interest Calculation
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Calculated daily based on actual days outstanding
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Supported Account
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Unified Trading Account (UTA)
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II. Core Product Advantages
Industry-Leading Fixed Rate
This product offers a 1% fixed annual interest rate with a 365-day lock-in term, unaffected by market interest rate fluctuations. Regardless of changes in market conditions, your borrowing cost remains controllable.
Repay at Any Time with Daily Interest Calculation
Breaking the fixed repayment date limitation of traditional lending, this product supports early repayment with no prepayment penalty. Interest is calculated based on actual days outstanding, so you pay interest only for the days you use the funds, maximizing capital efficiency.
Exclusive Institutional Services
This product is part of Bitget's institutional lending product suite, providing institutional users with stable-cost funding support. The loan amount will be credited directly to your funding account balance, with no need to lock collateral assets.
III. Borrowing Rules
Interest Calculation and Repayment
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Daily accrued interest = outstanding principal × daily interest rate
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Interest accrues daily and is settled together upon repayment
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Both maturity repayment and early repayment are supported. For early repayment, you only need to pay interest incurred during the actual outstanding period
Risk Control
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Risk Control Parameter
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Risk Control Rule
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Loan-to-Value Ratio (LTV)
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(Remaining outstanding loan principal + remaining outstanding loan interest) / total value of assets in the risk unit
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Transfer Restriction LTV
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≥ 70%
Restriction on asset transfers out: restrictions on transferring assets from a sub-UTA within the risk unit to other accounts. The maximum transferable amount is determined by the risk rate. When the risk rate is <70%, excess collateral assets in the risk unit may be transferred outside the risk unit, provided that the post-transfer risk rate must not be ≥70%.
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Initial Borrowing LTV
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80%
Loan disbursement begins; minimum margin requirement = loan amount × 1/4.
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Buy Restriction LTV
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≥ 85%
Spot buy restriction: spot buy trades are prohibited in sub-UTAs within the risk unit. Futures position-opening restriction: the opening of positions is prohibited in sub-UTAs within the risk unit (USDT-margined contracts, coin-margined contracts, and USDC contracts).
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Trading Restriction LTV
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≥ 90%
Spot trading restriction: spot trading is prohibited in sub-UTAs within the risk unit. Futures trading restriction: futures trading is prohibited in sub-UTAs within the risk unit (USDT-margined contracts, coin-margined contracts, and USDC contracts).
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Liquidation Rules
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IV. How to Apply
To apply for this product, you can contact the Bitget Institutional Partnerships team through the following channels:
Telegram/other IM channels: Please contact your dedicated account manager.
Our institutional service team will provide one-on-one consultation and assist you with product activation and loan application.
V. Important Notes
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This product is available to Bitget institutional clients at PRO1 and above who have completed KYB verification.
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The fixed-rate product and the interest-free loan program can be applied simultaneously without affecting each other.
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Specific loan amounts, collateral haircut rates, and other parameters shall be subject to the loan agreement signed with the Bitget institutional team.
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Bitget reserves the right to adjust product rules based on market conditions. Any adjustments will be announced in advance.
If you have any questions, please feel free to contact the Bitget Institutional Partnerships team.
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