Crypto Loans

Borrowing Against Your Basis Tokens

Basis lending offers 100% LTV ratios with zero liquidation risk from price movements.

Loan Terms

Term: 10 to 1,000 days. Collateral: STASIS, or any token launched on it (every family from Stable+ to Yolo, and Predict+). Currency: the pair asset of the token's main (USDG on the STASIS pair). Minimum loan: a small minimum value applies.

Stable+ LTV: 100% of the floor value, which on Stable+ is the price. Floor+ LTV: 100% of the floor value (not the market price). You receive the collateral's loan value minus the prepaid fee.

Floor = spot for Stable+/Predict+ tokens, so 100% of the floor value is their full value.

Loan Fees

Dynamic based on duration, all prepaid upfront. Formula: 2.0% origination + 0.005% × days.

10 days: 2.05% | 30 days: 2.15% | 100 days: 2.5% | 365 days: 3.825% | 1,000 days: 7.0%

These are total fees, not annualized. Very competitive for short-term borrowing.

Repayment: Pay back the loan amount in the asset you borrowed, all at once or in parts. A part repayment returns the same share of your collateral, and what is still owed must stay at least the minimum loan. No added interest, no fixed installments, no margin calls.

No Price Liquidation

  • Stable+ collateral's price cannot fall in its base asset
  • Floor+ loans based on rising floor price, which cannot decrease
  • On non-payment: after expiry a keeper closes the loan: the collateral that covers the debt is taken to repay it, 10% of the rest is the liquidation fee, and you claim the remainder. Claim within 365 days of the liquidation; after that the leftover may no longer be claimable. A loan is sized at the floor, which never falls, so its collateral is designed to cover the debt.

Loan Stacking

Users can chain multiple loans (borrow > buy tokens > borrow again). Approach with caution regarding cumulative fees.

Important: Leveraged tokens cannot be used as loan collateral. Leverage and loans are separate paths.

Loan Extension

  • Extend term before maturity
  • Pay the fee from your wallet (always available), add the fee to the loan (when the collateral is worth more than the loan), or refinance: borrow against the rise in your collateral's value. An extension adds 10 to 1,000 days and currently costs 0.005% per day on the loan amount; refinancing also charges 2% plus the daily fee on the extra amount.

Loan Management

Four actions: Repay (pay all or part of the loan amount and get that share of the tokens back) | Extend (see above) | Add collateral and borrow more | Sell (close 10% to 100% of the loan in steps of 10: that part of the collateral is sold, the loan is repaid from it, and you receive the rest minus the token's normal sell fee on those proceeds, with no referral discount; a Floor+ token refuses a sale that leaves no profit)