Bybit UTA Manual Borrowing: Fixed-rate option coming soon

We’re enhancing the Unified Trading Account (UTA) Manual Borrowing experience. A new fixed-rate borrowing option will roll out in phases starting Dec 08, 2025 (the full launch date may vary based on readiness).

What’s new

- Set your own fixed APR: Lock a fixed annualized borrowing rate for a chosen term to avoid market-rate volatility and unpredictable costs.

- Flexible fixed terms: Choose from 7, 14, 30, 60, 90 or 180 days.

- Liquidation continuity: If liquidation occurs, you can restore collateral and continue the remaining term. No interest will accrue during the interruption.

Before vs after (Manual Borrowing in UTA)

How to get started (once available)

1. Go to UTA > Loans > Manual Borrowing.

2. Select Fixed rate, choose a term and set your APR.

3. Confirm and borrow.

Learn more

[Manual Borrowing: Key Changes & How It Works](https://www.bybit.com/en/help-center/article/Manual-Borrowing-in-UTA-Loan-Key-Changes-and-How-It-Works).

If you have any questions, please contact our Customer Support.

Thank you for your continued support.