Bybit Introduces Fixed-Rate UTA Loans Offering Up to 10x Leverage and Up to 180-Day Borrowing

Dubai, UAE, February twenty eighth, 2026, Chainwire

Bybit, the world’s second-largest cryptocurrency trade by buying and selling quantity, has launched a fixed-rate borrowing choice underneath its Unified Buying and selling Account (UTA) Mortgage product, bringing collectively leverage of as much as 10 instances and stuck borrowing intervals of as much as 180 days inside a single unified account — a mix that continues to be uncommon within the digital asset market.

Bybit’s Unified Buying and selling Account is designed to permit customers to handle spot buying and selling, derivatives buying and selling, and borrowing actions inside a single account construction utilizing shared collateral and built-in margin administration. By means of UTA Mortgage, customers can borrow property through Auto Borrow, triggered robotically by buying and selling exercise, or Handbook Borrow, initiated prematurely. With the introduction of fixed-rate borrowing, customers can now select between floating-rate flexibility and fixed-rate price certainty, whereas sustaining entry to as much as 10x leverage for eligible buying and selling actions.

The brand new fixed-rate choice represents a big growth of UTA Mortgage, which beforehand centered on floating-rate borrowing with curiosity calculated on an hourly foundation and with out predefined mortgage maturities, a construction primarily fitted to short-term funding wants. Against this, the brand new fixed-rate choice permits customers to lock in each rate of interest and mortgage period prematurely, enabling longer-term planning whereas sustaining entry to larger leverage of as much as 10x underneath UTA.

Efficient Feb. 28, 2026, at 8 a.m. UTC, customers can entry fixed-rate borrowing by means of Handbook Borrow in UTA, with predefined mortgage tenors starting from short-term durations to prolonged borrowing intervals of as much as 180 days. Customers can entry fixed-rate borrowing by navigating to Property → Unified Buying and selling Account → Borrow. As soon as permitted, borrowing quotas are reserved for the chosen time period, offering clearer expectations round funding availability and price over the lifetime of the mortgage.

By pairing longer-dated fixed-rate borrowing (as much as 180 days) with leverage obtainable for eligible actions underneath UTA — together with spot margin buying and selling with leverage of as much as 10x — Bybit allows customers to deploy leveraged methods over longer horizons with higher visibility into financing prices. Within the broader crypto market, fixed-rate loans are sometimes restricted to shorter durations or supplied individually from leveraged buying and selling frameworks, making this built-in construction inside UTA notably unusual.

Underneath the fixed-rate mannequin, each the rate of interest and maturity date are confirmed on the time of borrowing and stay unchanged all through the mortgage time period. This construction is designed for customers who prioritize price predictability when managing leveraged positions past short-term market actions.

The fixed-rate UTA Mortgage additionally helps continued borrowing throughout the unique mortgage interval. If a mortgage is repaid earlier than maturity, customers might re-borrow through the remaining time period with out further curiosity, whereas the unique maturity date stays unchanged, enhancing capital effectivity throughout the similar borrowing window.

With the addition of fixed-rate borrowing, prolonged mortgage durations of as much as 180 days, and entry to larger leverage inside UTA, Bybit continues to develop its unified account framework to assist extra structured and long-term capital administration within the digital asset market.

Whereas the utmost fixed-rate mortgage time period is 180 days, customers may select shorter mortgage durations to align with completely different buying and selling methods and funding wants. 

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About Bybit

Bybit is the world’s second-largest cryptocurrency trade by buying and selling quantity, serving a worldwide neighborhood of over 80 million customers. Based in 2018, Bybit is redefining openness within the decentralized world by creating an easier, open and equal ecosystem for everybody. With a robust give attention to Web3, Bybit companions strategically with main blockchain protocols to offer strong infrastructure and drive on-chain innovation. Famend for its safe custody, numerous marketplaces, intuitive consumer expertise, and superior blockchain instruments, Bybit bridges the hole between TradFi and DeFi, empowering builders, creators, and fanatics to unlock the complete potential of Web3. Uncover the way forward for decentralized finance at Bybit.com.

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Head of PRTony AuBybit[email protected]