VIP Loan is a customized collateralized borrowing service for institutions and VIP users. It lets you flexibly choose the borrowing asset, amount, collateral and term, enjoy lower interest rates, and incur no penalty for early repayment.

Users at XM VIP3 level or above can use the VIP Loan service, applying directly on the page or via your key account manager. If you are not yet a VIP user, or have not reached VIP3, but are interested in VIP Loan, please contact our support with your application details and UID.

The VIP Loan term is unlimited and can be flexibly configured according to client needs to meet different customized requirements.

You can freely use the borrowed crypto assets without any restrictions, including but not limited to:
·Trading: spot and contract trading to seize market opportunities and realize profits quickly.
·Wealth: subscribe to XM products, join on-chain staking and mining for steady returns.
·Activities: join platform events, unlock more benefits and grow your assets.

Interest is calculated dynamically on a daily basis as follows:
·Method: daily interest, less than 1 day counts as 1 day.
·Formula: principal * (loan days / 365 * annual rate).
The rate stays fixed during the VIP Loan term, with no penalty for early repayment, so you can flexibly control costs.

If overdue, overdue interest will be charged at 3 times the normal rate during the overdue period. We advise repaying on time to avoid extra losses caused by overdue payments.