BASIS

Crypto Loans

Borrowing Against Your Basis Tokens

Basis lending offers 100% LTV ratios with zero liquidation risk from price movements.

Loan Terms

Term: 10 to 1,000 days. Collateral: Any Stable+ or Floor+ token. Currency: USDC.

Stable+ LTV: Up to 100% based on current market value. Floor+ LTV: Up to 100% based on floor price (not market price).

Floor = spot for Stable+/Predict+ tokens, so 100% LTV is at spot price.

Loan Fees

Dynamic based on duration — all prepaid upfront. Formula: 2.0% origination + 0.005% × days.

10 days: 2.05% | 30 days: 2.15% | 100 days: 2.5% | 365 days: 3.825% | 1,000 days: 7.0%

These are total fees, not annualized. Very competitive for short-term borrowing.

Repayment: Pay exact loan amount in USDC. No added interest, no installments, no margin calls.

No Liquidation Risk

  • Stable+ collateral cannot decrease in value
  • Floor+ loans based on rising floor price — cannot decrease
  • On non-payment: Collateral burned (not sold), eliminating cascades. Borrower claims any excess value.

Loan Stacking

Users can chain multiple loans (borrow > buy tokens > borrow again). Approach with caution regarding cumulative fees.

Important: Leveraged tokens cannot be used as loan collateral. Leverage and loans are separate paths.

Loan Extension

  • Extend term before maturity
  • Pay in USDC (always available) or Pay from collateral (if token appreciated — also unlocks Refinancing to borrow extra USDC)

Loan Management

Three actions: Repay (pay USDC, get tokens back) | Extend (extend term with fee) | Sell (burn collateral, receive value above loan amount — partial sell 10-100% available)

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