Bybit Introduces Fixed-Rate UTA Loans Offering Up to 10x Leverage and Up to 180-Day Borrowing

Dubai, UAE, February twenty eighth, 2026, Chainwire

Bybit, the world’s second-largest cryptocurrency alternate by buying and selling quantity, has launched a fixed-rate borrowing possibility underneath its Unified Trading Account (UTA) Loan product, bringing collectively leverage of up to 10 instances and fastened borrowing durations of up to 180 days inside a single unified account — a mixture that continues to be uncommon within the digital asset market.

Bybit’s Unified Trading Account is designed to permit customers to handle spot buying and selling, derivatives buying and selling, and borrowing actions inside a single account construction utilizing shared collateral and built-in margin administration. Through UTA Loan, customers can borrow belongings by way of Auto Borrow, triggered robotically by buying and selling exercise, or Manual Borrow, initiated upfront. With the introduction of fixed-rate borrowing, customers can now select between floating-rate flexibility and fixed-rate value certainty, whereas sustaining entry to up to 10x leverage for eligible buying and selling actions.

The new fixed-rate possibility represents a big growth of UTA Loan, which beforehand centered on floating-rate borrowing with curiosity calculated on an hourly foundation and with out predefined mortgage maturities, a construction primarily suited to short-term funding wants. By distinction, the brand new fixed-rate possibility permits customers to lock in each rate of interest and mortgage length upfront, enabling longer-term planning whereas sustaining entry to increased leverage of up to 10x underneath UTA.

Effective Feb. 28, 2026, at 8 a.m. UTC, customers can entry fixed-rate borrowing by way of Manual Borrow in UTA, with predefined mortgage tenors starting from short-term durations to prolonged borrowing durations of up to 180 days. Users can entry fixed-rate borrowing by navigating to Assets → Unified Trading Account → Borrow. Once accredited, borrowing quotas are reserved for the chosen time period, offering clearer expectations round funding availability and value over the lifetime of the mortgage.

By pairing longer-dated fixed-rate borrowing (up to 180 days) with leverage accessible for eligible actions underneath UTA — together with spot margin buying and selling with leverage of up to 10x — Bybit allows customers to deploy leveraged methods over longer horizons with larger visibility into financing prices. In the broader crypto market, fixed-rate loans are sometimes restricted to shorter durations or supplied individually from leveraged buying and selling frameworks, making this built-in construction inside UTA notably unusual.

Under the fixed-rate mannequin, each the rate of interest and maturity date are confirmed on the time of borrowing and stay unchanged all through the mortgage time period. This construction is designed for customers who prioritize value predictability when managing leveraged positions past short-term market actions.

The fixed-rate UTA Loan additionally helps continued borrowing inside the unique mortgage interval. If a mortgage is repaid earlier than maturity, customers could re-borrow through the remaining time period with out further curiosity, whereas the unique maturity date stays unchanged, enhancing capital effectivity inside the similar borrowing window.

With the addition of fixed-rate borrowing, prolonged mortgage durations of up to 180 days, and entry to increased leverage inside UTA, Bybit continues to increase its unified account framework to help extra structured and long-term capital administration within the digital asset market.

While the utmost fixed-rate mortgage time period is 180 days, customers might also select shorter mortgage durations to align with totally different buying and selling methods and funding wants.

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About Bybit

Bybit is the world’s second-largest cryptocurrency alternate by buying and selling quantity, serving a world group of over 80 million customers. Founded in 2018, Bybit is redefining openness within the decentralized world by creating an easier, open and equal ecosystem for everybody. With a robust concentrate on Web3, Bybit companions strategically with main blockchain protocols to present sturdy infrastructure and drive on-chain innovation. Renowned for its safe custody, various marketplaces, intuitive person expertise, and superior blockchain instruments, Bybit bridges the hole between TradFi and DeFi, empowering builders, creators, and fanatics to unlock the total potential of Web3. Discover the way forward for decentralized finance at Bybit.com.

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