Fixed Crypto Lending Update: Maximum Deposit Amounts Significantly Increased

How Do APR Tiers Work?

Plans with the new mechanics include several range options, or APR tiers. Each tier has its own rate.

When you enter a deposit amount, it is allocated sequentially across the applicable tiers. Each portion of the amount earns the APR assigned to the tier it falls into.

For example, a USDT plan may have the following terms:

Amount	APR
Up to 300 000 USDT	15,98%
300 000–600 000 USDT	12,59%
600 000–2 000 000 USDT	9,08%
2 000 000–5 000 000 USDT	10,82%
5 000 000–8 000 000 USDT	11,02%
> 8 000 000 USDT	11,6%

If your deposit falls entirely within the first tier, the rate for that tier applies.

If the amount spans multiple tiers, different portions of it earn the corresponding rates. Based on these rates, the system calculates a single overall APR for the entire deposit. Tier terms, including amount ranges and rates, may vary depending on the specific plan.

What Is the Blended APR?

Blended APR is the weighted average rate for the entire deposit amount, calculated based on the rates of all tiers covered by your deposit.

Consider a deposit of 2,000,000 USDT:

• The first 300,000 USDT — 15.98% APR;
• The next 300,000 USDT — 12.59% APR;
• The next 1,400,000 USDT — 9.08% APR.

As a result, the blended APR for the full 2,000,000 USDT deposit would be 10.64%.

This means that the rate of the highest tier reached does not apply to the entire amount. Each portion of the deposit is calculated at its respective rate, after which the system combines them into a single overall APR.

Each Plan Has Its Own Tiers and Rates

The figures above are provided only as an example of how the mechanics work.

The number of tiers, amount ranges, and APRs are determined separately for each plan that supports this feature.

Currently, the new functionality is available for the following assets:

USDT — 30-, 90-, 180-, and 360-day plans;

BTC — 30-, 90-, 180-, and 360-day plans;

ETH — 30-, 90-, 180-, and 360-day plans;

USDC — 30-, 90-, 180-, and 360-day plans;

XRP — 30-, 90-, 180-, and 360-day plans;

SOL — 30-, 90-, 180-, and 360-day plans.

Rates do not necessarily decrease as the deposit amount increases. Depending on the terms of a specific plan, the APR for subsequent tiers may be either lower or higher.

Therefore, before opening a Crypto Lending plan, check the tiers and blended APR for the specific plan you have selected.

See the Exact Rate Before Opening a Plan

You do not need to determine which tiers your amount covers or calculate the weighted average rate yourself.

If the selected plan has APR tiers, when setting up your Crypto Lending deposit, the system will automatically show:

• the APR tiers available for the plan;
• which tiers your amount covers;
• the rates for the applicable tiers;
• the overall APR for your deposit.

You can review these terms before confirming the deposit, both on the web platform and on mobile devices.

Your Blended APR Is Fixed for the Entire Term

Once the deposit is opened, the calculated overall APR is fixed for its entire term.

If the tier terms for that plan change later, the new rates will apply only to new deposits. The APR of an existing deposit will remain the same as it was when the deposit was opened.

For example, if your overall APR was 12.89% when you opened the deposit, this rate will apply throughout the entire deposit term, even if the plan’s rates for new deposits change later.

Why Can the APR Differ From the Rate Shown on the Plan Card?

The plan card may display the plan’s base rate, while your overall APR depends on your deposit amount and the tiers it covers.

Therefore, for plans with APR tiers, the rate that applies to your deposit may differ from the rate initially displayed in the plan catalog.

Before you open a deposit, the system will show the exact calculation so you can review the applicable terms before confirming.

What Does This Mean for You?

The new feature adds greater flexibility to selected Fixed Earn plans while allowing you to see the exact APR applicable to your deposit amount in advance.

If a plan supports APR tiers, select the plan and enter the amount you want to deposit. The system will automatically show how the amount is distributed across the tiers and what your overall APR will be.

Check the terms of the selected plan and your overall APR before opening a Crypto Lending deposit.