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    Gate.io > Help Center > HODL & Earn > Crypto Lending
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    Crypto Lending Notice
    Updated at:154 days 20 hours ago

    1.The crypto loan duration is a fixed one (for 10 days). Overdue loans exceeding this duration will trigger mandatory repayment. The repayment will be deposited into your spot account. If you want to lend the repayment again, you can enable "Auto-renew".

    2.The earnings of crypto lending come from the interest and are calculated hourly.

    Calculation rule: less than 4 hours are calculated as 4 hours, more than 4 hours are calculated on the basis of the actual period, and less than 1 hour is calculated as 1 hour.

    Interest formula: Interest = loan amount * daily interest rate / 24 * number of loan hours

    3.Borrowers may, and have the right to, repay in advance. Then the actual loan duration is subject to the repayment date.

    4.After the lender receives the repayment (principal + interest), Gate.io will charge a percentage of fees from the interest. The benchmark fee rate is 18%, and a tiered discount is offered to VIP users. See specific rules:


    5.Users agree that all their investments on Gate.io represent their true investment intentions and unconditionally accept any potential risks and benefits brought by their investment decisions.

    6.Gate.io is not responsible for any delay or loss of messages that may be caused by third-party applications such as SMS and email. Please keep track of your account promptly.

    7.Gate.io reserves the right of final interpretation of the notice.

    Contact us by submitting a ticket in the top-right corner of our website if you have any questions.

    Can't find the answer you want?Submit a Ticket
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