Dubai, UAE, February 28th, 2026, Chainwire
Bybit, the world’s second-largest cryptocurrency exchange by trading volume, has introduced a fixed-rate borrowing option under its Unified Trading Account (UTA) Loan product, bringing together leverage of up to 10 times and fixed borrowing periods of up to 180 days within a single unified account — a combination that remains rare in the digital asset market.
Bybit’s Unified 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. Through UTA Loan, users can borrow assets via Auto Borrow, triggered automatically by trading activity, or Manual Borrow, initiated in advance. With the introduction of fixed-rate borrowing, users can now choose between floating-rate flexibility and fixed-rate cost certainty, while maintaining access to up to 10x leverage for eligible trading activities.
Under the fixed-rate model, both the interest rate and maturity date are confirmed at the time of borrowing and remain unchanged throughout the loan term. This structure is designed for users who prioritize cost predictability when managing leveraged positions beyond short-term market movements.
The fixed-rate UTA Loan also supports continued borrowing within the original loan period. If a loan is repaid before maturity, users may re-borrow during the remaining term without additional interest, while the original maturity date remains unchanged, improving capital efficiency within the same borrowing window.
With the addition of fixed-rate borrowing, extended loan durations of up to 180 days, and access to higher leverage within UTA, Bybit continues to expand its unified account framework to support more structured and long-term capital management in the digital asset market.
While the maximum fixed-rate loan term is 180 days, users may also choose shorter loan durations to align with different trading strategies and funding needs.
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Tony Au
Bybit
Bybit Introduces Fixed-Rate UTA Loans Offering Up to 10x Leverage and Up to 180-Day Borrowing
