Bybit launches fixed-rate UTA loan offering up to 10x leverage and up to 180-day lending

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chain wire

Posted: February 28, 2026 3:03 AM Updated: February 28, 2026 3:03 AM

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Dubai, UAE, February 28, 2026, Chainwire

Bybit, the world’s second-largest cryptocurrency exchange by trading volume, has introduced a fixed-rate borrowing option. Unified Transaction Account (UTA) loan product, Consolidate up to 10x leverage and fixed loan terms of up to 180 days into one integrated account. — A rare combination in the digital asset market.

Bybit’s integrated trading account is designed to allow users to manage spot trading, derivatives trading and borrowing activities within a single account structure using shared collateral and integrated margin management. UTA Lending allows users to borrow assets through auto loans, which automatically execute based on trading activity, or manual loans, which are initiated in advance. With the introduction of fixed rate borrowing, users can now choose between floating rate flexibility and fixed rate cost certainty while retaining access to up to 10x leverage for eligible trading activity.

The new fixed rate option represents a significant expansion of UTA Loans, which previously focused on variable rate borrowing with interest calculated hourly without a predefined loan maturity, a structure primarily suited to short-term funding needs. In contrast, the new fixed rate option allows users to lock in the interest rate and loan term in advance, enabling long-term planning while maintaining access to higher leverage of up to 10x under UTA.

Starting February 28, 2026 at 8:00 AM (UTC), users will be able to access fixed-rate loans through UTA’s Manual Lending, with predefined loan terms ranging from short-term terms to extended loan terms of up to 180 days. Users can access fixed-rate loans by going to Assets → Integrated Trading Accounts → Loans. Once approved, your loan quota is reserved for the period of time you select, giving you clearer expectations about funds availability and costs over the life of your loan.

By combining long-term fixed-rate borrowing (up to 180 days) with leverage available for eligible activities under UTA (including spot margin trading with up to 10x leverage), Bybit allows users to deploy leveraged strategies over longer time horizons with greater visibility into financing costs. In the broader cryptocurrency market, fixed-rate loans are typically limited to shorter terms or offered separately from leveraged trading frameworks, so such integrated structures within UTA are noticeably uncommon.

In a fixed-rate model, the interest rate and maturity date are set at the time of loan and do not change throughout the life of the loan. This structure is designed for users who prioritize cost predictability when managing leveraged positions over short-term market movements.

Fixed-rate UTA loans also support continued borrowing within the original loan term. If a loan is repaid before maturity, users can re-borrow without changing the original maturity date and without additional interest for the remaining term, improving capital efficiency within the same lending window.

Through fixed-rate borrowing, extended loan periods of up to 180 days, and access to higher leverage within UTA, Bybit continues to expand its integrated account framework to support more systematic and long-term capital management in the digital asset market.

The maximum fixed rate loan term is 180 days, but users can also choose shorter loan terms to suit different trading strategies and funding needs.

#Bybit / #CryptoArk

Introduction to Bybit

Bybit is the world’s second largest cryptocurrency exchange by trading volume, serving a global community of over 80 million users. Founded in 2018, Bybit is redefining openness in the decentralized world by creating a simpler, more open, and more equal ecosystem for everyone. With a focus on Web3, Bybit is strategically partnering with leading blockchain protocols to provide robust infrastructure and drive on-chain innovation. Known for its secure custody, diverse marketplace, intuitive user experience, and advanced blockchain tools, Bybit bridges the gap between TradFi and DeFi, helping builders, creators, and enthusiasts unlock the full potential of Web3. Explore the future of decentralized finance at Bybit.com.

For more information about Bybit, see Bybit Press.

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Public Relations Manager
Tony Oh
bybit
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Chainwire is a leading blockchain and cryptocurrency news provider distributing press releases and maximizing cryptocurrency news coverage.

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