HTX trade has unveiled a serious improve to its lending platform, introducing Collateral Swap 2.0 with Multi-Property Collateral performance and a limited-time zero-interest promotion. The improved platform, previously often called Crypto Loans, permits customers to make the most of a number of cryptocurrencies as collateral inside a shared pool, considerably bettering capital effectivity and lowering volatility dangers.
The brand new Multi-Property Collateral characteristic went dwell on September 23, 2025 at 04:00 UTC, coinciding with a horny zero-interest swap occasion working till October 8, 2025. This promotional interval covers 18 main cryptocurrencies, together with Bitcoin, Dogecoin, Ethereum Traditional, and numerous altcoins, enabling customers to maximise their capital effectivity at zero price.
HTX’s strategic transfer comes as cryptocurrency exchanges more and more compete to supply extra subtle DeFi-like merchandise to retail and institutional merchants. The platform’s improve addresses frequent ache factors in crypto lending, notably the necessity for customers to transform their holdings into stablecoins to entry liquidity, which regularly leads to missed market alternatives and extra transaction prices.
Multi-Property Collateral Revolution
The Multi-Property Collateral system represents a elementary shift in how customers can leverage their cryptocurrency holdings. As a substitute of requiring single-asset collateral, the brand new system permits merchants to deposit BTC, ETH, BNB, APE, AVAX, and different supported belongings right into a unified collateral pool. This diversification method considerably reduces the volatility danger related to single-cryptocurrency publicity.
Customers can now handle their collateral, renewals, and repayments via a single interface, streamlining all the lending course of. The system calculates swap limits collectively throughout all deposited belongings, offering customers with greater borrowing capability than conventional single-asset collateral programs. This innovation notably advantages long-term holders who wish to keep publicity to their most well-liked cryptocurrencies whereas accessing further liquidity.
The platform’s hourly curiosity calculation system provides full flexibility for customers to swap or repay their positions at any time. In the course of the promotional interval, eligible customers can get pleasure from utterly interest-free swaps, with any initially charged curiosity being refunded to their spot accounts inside seven working days after the occasion concludes.
HTX has additionally prolonged this Multi-Property Collateral idea to its USDT-margined futures buying and selling, permitting customers to publish margin utilizing BTC, ETH, and different non-USDT belongings. This breakthrough eliminates the standard requirement of changing holdings to USDT earlier than accessing futures markets, lowering friction and preserving customers’ unique asset publicity.
Zero-Curiosity Promotion Particulars
The present zero-interest promotion covers an in depth checklist of widespread cryptocurrencies, creating alternatives for each arbitrage and portfolio rebalancing methods. Eligible belongings embody:
- Main cryptocurrencies: BTC, BNB, UNI, LINK, LTC, ADA
- Meme cash: DOGE, SHIB, PEPE
- Layer-2 tokens: ARB, OP
- Various cash: ETC, XRP, CORE, WLD, ALGO, NEAR, XLM
To qualify for the zero-interest profit, customers should meet a number of necessities. Every swap transaction should attain a minimal threshold of 5,000 USDT, and contributors should full KYC verification. The platform has carried out strict anti-abuse measures, prohibiting arbitrage or wash buying and selling actions utilizing a number of accounts, which might lead to instant disqualification.
HTX supplies a sensible instance of potential financial savings: a ten BTC swap (assuming 115,000 USDT per BTC) over 19 days would sometimes incur 598.6 USDT in curiosity fees. In the course of the zero-interest interval, customers save this whole quantity, which may then be deployed as further buying and selling capital to generate greater funding returns.
The platform has outlined a number of strategic use circumstances for the Multi-Property Collateral system. Bullish traders can maintain onto their BTC positions whereas borrowing funds at zero curiosity to extend their market publicity. Merchants trying to change sectors can immediately entry completely different belongings with out promoting their core holdings, equivalent to swapping from ETH and BTC to ARB and WIF positions.
Arbitrage alternatives change into notably engaging in the course of the zero-interest interval, as customers can swap steady belongings for free of charge and make investments them in HTX’s Earn merchandise, maintaining all generated returns. The system additionally supplies versatile short-term funding options, permitting customers to leverage belongings like SHIB or BNB as collateral with out altering their underlying positions.
Supported Collateral Property
The Multi-Property Collateral system helps an in depth vary of cryptocurrencies as acceptable collateral. The great checklist contains main cryptocurrencies like USDT, BTC, ETH, and BNB, alongside widespread altcoins equivalent to SHIB, PEPE, BONK, DOGE, TRX, XRP, and ADA. Extra supported belongings embody SUI, FIL, NEAR, DOT, WIF, TON, ATOM, APE, AVAX, ETC, ICP, LINK, AAVE, BCH, USDC, and USDD.
This various asset choice displays HTX’s dedication to accommodating numerous consumer preferences and portfolio compositions. The inclusion of each established cryptocurrencies and newer tokens like WIF and BONK demonstrates the platform’s responsiveness to evolving market tendencies and consumer demand.
HTX plans to constantly develop the checklist of supported collateral belongings primarily based on market dynamics and technical readiness. The trade encourages customers to watch official bulletins for future asset additions, suggesting an ongoing dedication to platform enhancement and consumer expertise enchancment.
The platform’s danger administration method entails diversifying collateral throughout a number of belongings, lowering the impression of particular person cryptocurrency volatility on total place stability. This system aligns with trendy portfolio principle rules whereas adapting them to the distinctive traits of cryptocurrency markets.
For customers transitioning from the earlier Crypto Loans system, HTX has maintained backward compatibility whereas introducing enhanced options. The improve preserves current consumer positions whereas offering entry to new Multi-Property Collateral advantages, making certain a clean transition course of for the platform’s established consumer base.
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HTX’s Collateral Swap 2.0 launch represents a major improvement in cryptocurrency lending infrastructure, doubtlessly influencing aggressive dynamics throughout main exchanges. The zero-interest promotion, mixed with Multi-Property Collateral performance, might appeal to substantial consumer migration from competing platforms and improve total buying and selling quantity. Because the cryptocurrency lending market continues to mature, improvements like HTX’s Multi-Property Collateral system might change into customary options, driving additional integration between conventional DeFi protocols and centralized trade choices.
- Collateral Swap
- A lending mechanism that permits customers to borrow cryptocurrency or fiat forex utilizing their crypto holdings as safety. The borrowed funds can be utilized for buying and selling, arbitrage, or different funding actions whereas sustaining publicity to the unique collateral belongings.
- Multi-Property Collateral
- A system that allows customers to deposit a number of completely different cryptocurrencies right into a shared collateral pool moderately than utilizing single-asset backing. This method reduces volatility danger via diversification and sometimes supplies greater borrowing limits.
- KYC Verification
- Know Your Buyer procedures that require customers to supply id documentation to adjust to monetary laws. Most cryptocurrency exchanges mandate KYC completion earlier than customers can entry superior options like lending or high-volume buying and selling.
- USDT-Margined Futures
- Cryptocurrency derivatives contracts the place positions are margined and settled in USDT (Tether) stablecoin. These contracts enable merchants to invest on cryptocurrency worth actions with out instantly holding the underlying belongings.