The cryptocurrency landscape continues to evolve, with platforms enhancing their financial offerings to meet growing user demand. CoinEx has taken a significant step forward by expanding its collateralized borrowing options. Starting March 27, 2024, at 15:00 (UTC+8), users can now use AVAX, TON, NEAR, ICP, APT, FIL, RNDR, KAS, PEPE, VET, and FTM as collateral to borrow USDT.
This expansion reflects the increasing need for flexible, efficient, and user-friendly crypto finance tools. By integrating more high-demand digital assets into its lending ecosystem, CoinEx empowers users to unlock liquidity without selling their holdings—preserving their long-term investment strategies.
Enhanced Flexibility with Expanded Collateral Options
One of the most compelling aspects of decentralized and centralized finance platforms is the ability to generate liquidity from existing crypto holdings. CoinEx’s updated borrowing feature now supports a broader range of cryptocurrencies as collateral, giving users greater control over their portfolios.
The newly added assets represent a mix of layer-1 blockchains, AI and compute-driven tokens, meme coins, and infrastructure projects:
- AVAX – Avalanche, known for high-speed transactions and subnets
- TON – The Open Network, backed by strong community growth
- NEAR – A scalable, developer-friendly smart contract platform
- ICP – Internet Computer enabling web-speed blockchain computation
- APT – Aptos, a Move-language based layer-1 blockchain
- FIL – Filecoin, decentralized data storage solution
- RNDR – Render Network, GPU-powered rendering and AI compute
- KAS – Kaspa, ultra-fast blockDAG protocol
- PEPE – Meme token with strong cultural traction
- VET – VeChain, enterprise-focused supply chain blockchain
- FTM – Fantom, EVM-compatible network with low fees
👉 Discover how you can leverage your digital assets to access liquidity instantly.
This diverse selection ensures that users holding emerging or niche assets are not excluded from accessing capital. Whether you're bullish on AI-driven networks like RNDR or believe in the long-term value of meme culture via PEPE, these tokens can now actively work for you.
Key Features of CoinEx’s Collateralized Borrowing
1. Diverse and Flexible Collateral Support
CoinEx stands out by allowing users to pledge multiple types of cryptocurrencies simultaneously to borrow a single stablecoin—USDT. This multi-collateral approach enhances portfolio efficiency and reduces dependency on any single asset.
Users can mix and match their holdings based on market conditions, risk appetite, and borrowing needs. For example, combining AVAX and NEAR as collateral might provide better loan-to-value ratios than relying solely on one asset.
2. No Fixed Loan Term – Borrow and Repay on Your Schedule
Unlike traditional loans with rigid repayment schedules, CoinEx offers a “borrow anytime, repay anytime” model. As long as the collateralization ratio remains above the liquidation threshold, positions can be held indefinitely.
This flexibility is ideal for traders and investors who anticipate future price appreciation but need short-term liquidity for opportunities or expenses.
3. High Initial Loan-to-Value Ratios
CoinEx provides competitive initial collateral ratios, meaning users can borrow more against their assets compared to many other platforms. Higher LTV (Loan-to-Value) ratios translate into improved capital efficiency—especially valuable in volatile markets where maximizing asset utility is crucial.
For instance, if the platform allows an 80% LTV on AVAX, a $10,000 holding could generate up to $8,000 in USDT—without triggering taxes or disrupting long-term holdings.
4. Multiple Repayment Options – Including Repayment Using Collateral
A standout feature is the ability to repay loans using the original collateral asset. If you borrowed USDT but don’t have sufficient reserves to repay it directly, CoinEx lets you settle the debt using your pledged crypto—such as paying back with AVAX or TON.
This functionality prevents forced liquidations during market dips and offers a safety net when fiat or stablecoin liquidity is tight.
👉 See how easy it is to borrow against your crypto with flexible repayment options.
Frequently Asked Questions (FAQ)
Q: What is collateralized borrowing in crypto?
A: It’s a financial mechanism where users lock up cryptocurrency as collateral to borrow another asset—typically a stablecoin like USDT. This allows access to liquidity without selling digital assets.
Q: Can I use multiple coins as collateral at once?
A: Yes. CoinEx supports multi-asset collateralization, letting you combine different cryptocurrencies to secure a single loan.
Q: How is the liquidation price calculated?
A: The liquidation price depends on the current loan amount, collateral value, and the required minimum collateral ratio. If the ratio falls below the threshold due to price changes, the position may be liquidated.
Q: Is there a minimum or maximum borrowing amount?
A: Minimums vary by asset but are generally low to allow accessibility. Maximums depend on available collateral and system limits.
Q: Do I earn staking rewards on my locked collateral?
A: Typically, staking rewards are paused while assets are used as collateral unless the platform supports yield-bearing collateral (not currently confirmed on CoinEx).
Q: Are there any hidden fees?
A: Interest rates are transparently displayed before confirming a loan. There are no hidden charges, though interest accrues based on usage time and rate.
Strategic Benefits for Crypto Investors
By integrating these 11 new assets, CoinEx aligns itself with current market trends—particularly the demand for non-Bitcoin and non-Ethereum assets to have real financial utility.
Holders of emerging projects like KAS or RNDR often face illiquidity challenges despite believing in their long-term potential. Now, they can participate in DeFi-like activities even on a centralized exchange.
Moreover, this move supports cyclical market behavior: during bear phases, users can maintain exposure while accessing funds; in bull runs, they can scale positions using borrowed capital.
👉 Start optimizing your crypto portfolio with seamless borrowing today.
Final Thoughts
CoinEx’s expansion of supported collateral assets marks a meaningful upgrade in its lending infrastructure. With support for AVAX, TON, PEPE, and other dynamic tokens, the platform becomes more inclusive and responsive to diverse investor bases.
Combined with flexible repayment terms, high loan-to-value ratios, and user-centric features like collateral-based repayment, this service strengthens CoinEx’s position in the competitive crypto finance space.
As always, users should carefully assess their risk tolerance and understand the mechanics of leverage before engaging in borrowing activities.
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