1. What Is Institutional Lending?
Institutional Lending is a new fixed-rate loan service introduced by OKX, offering a 90-day loan term. Borrowers pay fixed interest during the loan period, ensuring cost stability. The borrowed amount is directly credited to the funding account balance. Risk is measured independently via the Risk Unit’s Margin Ratio, eliminating the need for collateral locking.
2. Key Features
(Currently invite-only; Web platform only.)
✅ Fixed-Term & Fixed-Rate: Stable financing costs.
✅ Direct Balance Access: No over-collateralization; up to 2.5x leverage.
✅ Isolated Risk Units: Separate from unified trading accounts.
3. Target Users
Institutional traders.
4. Step-by-Step Guide
4.1 Apply for a Loan
- Navigate: Finance → Loan → Institutional Lending.
View:
- Current APR
- Loan term
- Maximum borrowable amount
- Enter desired amount → Click Borrow Now.
- Review estimated total interest on the confirmation page.
- Optional: Set a Maximum APR (order stops if market exceeds this rate).
4.2 Manage Orders
- Approved orders split into sub-orders for lenders. Funds release incrementally upon sub-order fulfillment.
- Track progress via Order Details or Borrowed Assets.
- Modify Maximum APR or cancel sub-orders as needed.
5. FAQs
Q1: How is lending risk monitored?
A: Via the Risk Unit’s Margin Ratio (MR), independent of trading accounts.
Q2: Are there borrowing limits?
A: Yes. Determined by:
- Post-borrowing Initial Margin Ratio (IMR) requirements.
- Platform’s maximum cap.
(Lower of the two applies.)
Q3: How is interest calculated?
A: Fixed for the loan period:
Principal × APR × Term / 365
(Late fees apply hourly during grace periods.)
Q4: Can I withdraw borrowed funds?
A: Yes, up to a 40% Margin Ratio (MR).
Q5: When is interest charged?
A: At maturity, alongside principal. No deductions beforehand.
Q6: Are there additional fees?
A: No. Interest is fully paid to lenders.
👉 Maximize liquidity with OKX Institutional Lending
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