Understanding OKX's Institutional Loan
OKX's Institutional Loan is a fixed-rate financing solution tailored for high-capital needs. It offers:
- Fixed interest rates for predictable costs.
- Up to 2.5x leverage without over-collateralization.
- Risk isolation from your main trading account for enhanced security.
This 90-day loan service provides stable funding at a locked-in rate. The borrowed amount is credited directly to your fund balance, with risk assessed via the Margin Ratio (MR) within your risk unit—eliminating the need for locked collateral.
👉 Explore institutional loan benefits
Step-by-Step Application Guide
1. Access the Institutional Loan Page
- Log in to your OKX account.
- Navigate to Grow > Loan > Institutional Loan.
- Check the Current Annualized Rate, Term, and Maximum Borrowing Amount.
2. Enter Loan Details
- Input your desired amount.
- Click Borrow Now.
3. Confirm Terms
- Review the estimated total interest and set a maximum annualized rate (auto-cancels if market rates exceed your limit).
- Sub-orders are allocated to depositors; funds transfer upon full funding.
Managing Your Loan
View Orders
- Go to My Borrowed Assets or View Loan Details.
- Monitor sub-order progress or adjust/cancel orders.
Risk Monitoring
- Track risks via the Margin Ratio (MR), independent of your trading account.
FAQs
📌 What determines my maximum loan amount?
Your borrowable amount depends on:
- Funds required to maintain the Initial Margin Ratio (IMR) post-borrowing.
- OKX’s platform limits.
The lower of these two values applies.
📌 How is interest calculated?
Interest is fixed for the term:
Loan Amount × APR × Term ÷ 365Overdue fees accrue hourly if repayment is delayed.
📌 Can I withdraw loaned funds?
Yes, up to 40% of your MR.
📌 Are there hidden fees?
No—only interest paid to lenders.