Borrowing on Terminus

Need liquidity without selling your BTC, ETH, or STRK? Terminus lets you borrow against your crypto with fixed, transparent terms. You know exactly what you owe and when — from the moment you take the loan.

Why Borrow on Terminus?

• Keep your exposure — don't sell your crypto to get liquidity. Lock it as collateral and get it back when you repay.
• Fixed rates — the interest rate never changes. No surprises, no rate spikes.
• No mid-term liquidation — your position won't be liquidated if the market dips. As long as you repay by the maturity date, your collateral is safe.
• Transparent terms — see every detail before committing: rate, duration, collateral requirement.

How to Borrow

Option A: Match a Lend Offer

1. Navigate to the Borrow page to see available lending offers
2. Filter by collateral type and compare rates
3. Note: offers with a whitelist can only be matched by listed addresses — you won't see options you can't take
4. Look for Locked offers — they guarantee the funds are available
5. Select an offer and deposit the required collateral
6. Receive the principal directly to your wallet

Option B: Post a Borrow Request

1. Navigate to Borrow → Create Request
2. Specify how much you want to borrow (within per-token min/max limits), the rate you're willing to pay, duration (within protocol limits), and collateral (only whitelisted tokens)
3. Pay the creation deposit — a small anti-spam deposit refunded when a lender fills your request
4. Optionally add a whitelist — restrict filling to specific lender addresses only
5. Optionally lock your collateral in escrow to show lenders you're committed
6. Optionally set an expiry date
7. Wait for a lender to fill your request

Repayment

Before the maturity date, repay the full principal plus the agreed interest amount. Your collateral is released back to your wallet immediately upon repayment. You can repay early with no penalty.

Borrower Transfer

Need to transfer your borrower position to another address? You canrequest a borrower transfer. The new address will take over the obligation (principal, interest, collateral). The lender mustapprove the transfer — this protects them from unwanted counterparty changes. You can cancel a pending transfer request before the lender approves.

What If I Don't Repay?

If the loan reaches maturity without repayment, it enters default status. The lender can claim your locked collateral. You keep the borrowed funds, but you lose your collateral permanently. Monitor your maturity dates carefully.

Choosing the Right Offer

When browsing offers, consider the balance between interest rate and collateral ratio. Lower interest rates save you money, but they may require higher collateral ratios. Find the combination that works for your situation and time horizon.