Crypto exchange MEXC has expanded its MEXC Loans service, allowing users to use Bitcoin (BTC) as collateral when borrowing USDT or USDC. The new feature, available since October 27, 2025, offers annual interest rates starting from 5%, giving traders and investors a new way to access liquidity without selling their BTC.
According to the company, the initiative is designed to help clients maintain exposure to Bitcoin’s price movements while unlocking instant liquidity for trading or other purposes.
MEXC Loans is a crypto-backed lending platform that enables users to deposit one digital asset as collateral to borrow another. Borrowed funds can be used for spot or futures trading, Earn products, withdrawals, or other liquidity needs. Interest accrues daily, and collateral is released immediately after repayment.
The exchange highlights several key benefits of its updated service:
- Annual rates starting from 5% (daily rate = APR/365)
- Flexible borrowing and repayment, available anytime through a simple interface
- High loan-to-value (LTV) ratio of up to 85%, among the most competitive in the market
- Full usability of borrowed funds across MEXC products
- Continued exposure to BTC while gaining access to liquidity
To use the service, users must complete basic KYC verification.
MEXC representatives noted that this expansion reflects the exchange’s goal of delivering flexible financial tools that maximize the utility of users’ digital assets. The company plans to further enhance MEXC Loans to support evolving trading and investment strategies in the digital asset ecosystem.
For more information about loan conditions, visit the official MEXC Loans page.
