FAQ

Short answers to common Liquidium questions. Live app values, market parameters, and wallet availability can change, so the app is the source of truth at transaction time.

What is the difference between Simple Loan and Advanced?

Simple Loan is a one-step borrowing flow that does not require an account. Each loan has its own Loan ID, collateral address, repayment address, and lifecycle.

Advanced is the portfolio flow for supplying, borrowing, repaying, and withdrawing across supported assets. Sign in with Internet Identity or a supported wallet to manage Advanced balances and positions.

See Simple Loan and Quick start for the full comparison.

What is the activation fee?

When your loan starts, a 0.5% activation fee is calculated on your initial borrowed principal and added to your debt in the same asset you borrow, for both Simple and Advanced loans. USDT loans incur a USDT fee; BTC loans incur a BTC fee. Borrowing 1,000 USDC creates starting debt of 1,005 USDC before interest. Network fees are separate.

The Simple quote already includes the activation fee when calculating your required collateral. The collateral amount shown is what you need; any extra collateral remains yours and is not an additional fee.

Do I need to sign in?

You do not need to sign in to create or manage a Simple Loan. Signed-out loans are saved in the current browser. You can optionally sign in with Internet Identity or a supported wallet to save them to your profile and access them across devices.

Advanced requires sign-in because its balances, linked accounts, addresses, and positions are managed through your profile. See Your profile.

How do Simple Loan notifications work?

Signed-out users can enable email notifications separately for each Simple Loan. If you are signed in and have activated a profile email, that address is automatically used for Simple Loan notifications and can still be reviewed or changed for an individual loan.

Notifications are useful, but you should still monitor the loan directly in the app.

Can I use staked ICP or NNS neurons as collateral?

No. Liquidium can only use transferable assets that the app supports as collateral. Locked or staked ICP in NNS neurons cannot be supplied directly as collateral.

Can I use NFTs as collateral?

No. Liquidium.fi only supports the transferable assets shown in the app for supplying, borrowing, and repayment. NFTs cannot be supplied as collateral on Liquidium.fi unless the app explicitly supports them in the future.

For Bitcoin Ordinals and other Bitcoin-native NFT-style collateral, see Liquidium's separate Bitcoin-native lending app at https://liquidium.wtf.

How do suppliers earn interest?

Borrowers pay interest into the pool, and suppliers earn it. The supply rate is the borrow rate × utilization × (1 − reserve factor). The reserve factor is the protocol's share of the interest; each pool's value is on the Insights page.

There is nothing to claim. Your supplied balance grows automatically as interest accrues, and you receive it when you withdraw. The activation fee on new borrows goes to the protocol, not to suppliers.

What are the current LTV and liquidation values?

Current pool parameters are:

Asset	Max LTV*	Liquidation threshold*	Liquidation bonus*
BTC	65%	74%	5%
ETH	65%	74%	5%
SOL	60%	72%	5%
USDC	65%	74%	5%
USDT	65%	74%	5%
ICP	50%	70%	7.5%

*These values can change. Check the live Insights page before opening or adjusting a position.

What is my liquidation price, and will I get a warning?

The app shows a liquidation price for each collateral asset in the Advanced Portfolio, and for each Simple Loan. It is the price at which that asset would bring your Health Factor to 1.0.

There is no margin call or grace period. Once your Health Factor is below 1.0, the position can be liquidated right away. Turn on Critical alerts to get an email or Telegram warning when your portfolio health is at risk (see Profile notifications), but do not rely on alerts alone. Keep a buffer and check the app during volatile markets.

Why does support mention Health Factor when the app shows Health %?

They are two displays of the same safety calculation. The app defaults to Health %. Technical docs sometimes use decimal Health Factor. A decimal Health Factor of 2.0 equals 50% Health in the app, and a decimal Health Factor of 1.0 equals 0% Health at the liquidation threshold.

See Health Factor for the conversion table.

Why can't I borrow the same token I supply?

Same-asset borrowing is currently disabled on Liquidium's pools. If you supply an asset, you cannot borrow that asset, and if you borrow an asset, you cannot supply it. The app shows "You cannot borrow while supplying the same token" or "You cannot supply while borrowing the same token".

To borrow the asset, withdraw your supply of it first. A tiny leftover balance below the pool's dust threshold is ignored. The Insights page shows the current setting for each pool.

Can I repay by using my supplied collateral?

Not currently. Supplied collateral is not automatically sold or swapped to repay debt. In Advanced, repay with a supported linked wallet or by sending the borrowed asset to the repay address shown in the app. After reducing or clearing debt, withdraw eligible supplied assets separately.

What happens if I make a partial repayment?

For Simple Loans, a partial repayment lowers LTV but does not release collateral; collateral is returned only after the full outstanding debt is repaid. In the advanced flow, repayment lowers debt, and supplied collateral is withdrawn separately.

Do Advanced positions have a Loan ID?

No. The six-character Loan ID is specific to Simple Loans. Advanced positions are managed from the Portfolio tab after signing in with Internet Identity or a supported wallet. To repay, expand the borrowed asset and select Repay. To withdraw eligible supplied assets, expand the supplied asset and select Withdraw.

Does my Advanced repay address change?

No. Advanced supply and repay addresses are derived from your profile and the asset, so each one stays the same. Supply and repay addresses are different: sending to the supply address adds collateral, it does not repay debt. Always copy the address from the app for the exact asset, network, and action.

What happens if my supply or repayment is rejected?

In Advanced, open the pending transaction panel to check rejected supplies and repayments. If Recover funds appears, select it, enter your destination address, and approve the withdrawal. The protocol then processes the transfer.

This recovery happens through the pending transaction panel. For a deposit sent on the wrong network, follow the separate wrong-network deposit guidance.

If you encounter any issues, contact Liquidium support through the app.

Simple Loans handle rejected repayments automatically and send the funds to the loan's addresses, so no action is needed.

What should I do if I sent funds using the wrong asset, network, or address?

Stop sending additional funds. If you sent a deposit on the wrong network, open the Deposit recovery page and connect the wallet linked to your Liquidium profile.

When a recovery request is available, review the network, asset, amount, and recipient before signing. If anything looks unfamiliar, contact support before proceeding.

Signing authorizes the recovery request; it does not mean the transfer is complete. Follow its status on the page. If no request appears, contact support with your transaction details.

For other transfer issues, contact support through the app. Include the transaction hash, asset, network, amount, destination address, and whether this was a Simple Loan or an Advanced position. For Simple Loans, include the Loan ID if you have it.

Recovery availability and outcome depend on the transaction. Follow the instructions shown in the app, and contact support if you need help.

To avoid mistakes:

• Copy addresses only from the app, for the exact asset, network, and action.
• After pasting, check the first and last characters. Scam "address poisoning" transfers plant look-alike addresses in your wallet history.
• Liquidium supports Ethereum mainnet only for ETH, USDC, and USDT. Do not send on Base, Arbitrum, BNB Chain, or other networks.

Which networks and wallets are supported?

Liquidium.fi supports four networks:

• Bitcoin mainnet: BTC
• Ethereum mainnet: ETH, USDC, and USDT
• Solana mainnet: native SOL
• Internet Computer: ICP, plus ckBTC, ckETH, ckUSDC, ckUSDT, and ckSOL

Other networks, such as Base, Arbitrum, BNB Chain, and Tron, are not supported.

Sign in with Internet Identity to manage supported assets across Bitcoin, Ethereum, Solana, and ICP, or choose a supported wallet.

Phantom and OKX Wallet support Ethereum and Solana; OKX also supports Bitcoin. Ethereum options include MetaMask and Coinbase Wallet. For Bitcoin, you can also use Xverse, UniSat, Leather, or Ledger. For ICP, choose OISY, NFID, or Plug. WalletConnect is available for Ethereum and Solana.

Check the app’s wallet picker for the options available on your device.

Can I use ckBTC, ckETH, ckUSDC, or ckUSDT over ICP?

Yes. Supported ICP assets and ckAssets can be supplied, borrowed, repaid, and withdrawn through the methods shown by the app.

To use Oisy, select it in Liquidium's wallet picker and approve the Ethereum-account sign-in. Then open Settings, connect the Oisy ICP account, and approve the second request. The ICP account is not linked automatically. Once linked, it can handle supported supply, borrow, repay, and withdrawal transactions for ICP, ckBTC, ckETH, ckUSDC, and ckUSDT. Address-based methods remain available where offered. See ICP assets and Oisy for setup and address details.

Which ICP address format should I use?

For native ICP supply and repay addresses, the app can show your address as ICRC-1 (the default) or Account ID. Both point to the same account. Pick the format your wallet or exchange accepts. ckBTC, ckETH, ckUSDC, and ckUSDT use ICRC-1 only.

When you withdraw or borrow native ICP, you can enter an ICP principal, an ICRC-1 account, or an Account ID. ckAssets are sent to an ICP principal.

Can I send funds to an exchange or a smart account?

Use a wallet you control where possible. If you send to an exchange, make sure it supports that exact asset on that exact network. Liquidium cannot add a memo or tag, so do not use an exchange address that requires one.

Native ETH can only be sent to a standard Ethereum wallet address. The app blocks addresses that contain contract code. That includes smart contract wallets and accounts upgraded to smart accounts, such as MetaMask Smart Accounts.

Can I use an air-gapped wallet, hardware wallet, or exchange account?

Ledger can connect as a Bitcoin-side account for Advanced; supply to the asset-specific deposit address, follow the app’s destination, repay, and withdrawal address flows for other actions, and review and approve sign-in and authorization messages directly on the Ledger device through a WebHID-compatible browser such as Chrome or Edge. Ledger Live can still be used to send BTC to the supply or repayment address shown by the app. Other air-gapped wallets, hardware wallets, and exchange accounts can still use the address-based Simple Loan flow where compatible.

Is there a fixed repayment date?

No. Liquidium loans do not have monthly repayment dates. Interest accrues over time, and you can repay partially or fully whenever you want as long as the position stays healthy.

Why is my Simple Loan still awaiting deposit or not started?

A Simple Loan may stay pending while the collateral deposit is waiting for chain confirmations. If the deposit is detected but the loan cannot open, check whether the deposit is too small or whether price movement pushed the loan above the max LTV slippage setting.

If the loan cannot open, add more collateral if the app asks for it. Otherwise, collateral is refunded to the refund address after the loan fails to open.

What can't I change on a Simple Loan?

• One borrow per loan. To borrow more, create a new Simple Loan.
• No partial collateral withdrawals. You can add collateral and make partial repayments, but collateral is only returned, in full, after the whole debt is repaid.
• Fixed addresses. The refund and destination addresses are set when you generate the loan and cannot be changed.

When do I get my Simple Loan collateral back?

Collateral is returned to the refund address only after the full debt is repaid. Partial repayments lower LTV but do not release collateral. Use the Simple Loan manage view to check the latest amount due before sending repayment, because interest accrues over time.

Where can I find my invite code?

Open the Liquidium app and use the profile or account menu in the top-right corner. If an invite or referral action is available for your account, the app will show it there.

Invite and referral campaigns can change over time, so the app is the source of truth for current availability and rewards.

Can I use Oisy?

Yes. Select Oisy in Liquidium's wallet picker and approve the Ethereum-account sign-in. Then open Settings, connect the Oisy ICP account, and approve the second request. The ICP account is not linked automatically. Once linked, it can handle supported supply, borrow, repay, and withdrawal transactions for ICP, ckBTC, ckETH, ckUSDC, and ckUSDT. See ICP assets and Oisy for the full setup.

Can I use Phantom for BTC?

No. Phantom supports Ethereum and Solana flows, but Phantom BTC is not supported because Phantom deprecated BTC support. For BTC flows, use another supported BTC wallet or the address-based flow shown in the app.

Are there extra fees for small BTC withdrawals?

Yes. Bitcoin withdrawals and borrows under 50,000 sats are paid out in batches from the BTC Pool's own Bitcoin address, about every 5 minutes. They pay a 0.3% fee plus a share of the batch's Bitcoin network fee, deducted from the amount you receive. Larger amounts go through the ckBTC minter, which charges its own network fees. Very small amounts, below about 5,000 sats, cannot be withdrawn to a Bitcoin address.

Where can I find transaction history?

Open History to review past and pending transactions, including statuses and transaction IDs where available.

What are Liquidium's official websites?

• liquidium.fi: website, docs, and blog
• app.liquidium.fi: the Liquidium.fi lending app
• liquidium.wtf: Liquidium.WTF, the separate Bitcoin-native lending app for Ordinals, Runes, and NFTs. Ordinals and Runes loans live there, and older app.liquidium.fi links for those products redirect to it.
• liquidium.org: the LIQ token

Liquidium.fi positions and Liquidium.WTF loans are separate and do not show up in each other's apps. Watch out for look-alike domains, and never enter a seed phrase on any website.

Can US residents use Liquidium?

Availability and eligibility can depend on your location, the app flow, and applicable rules. Review the Liquidium Terms before using the app, and use the app only if you are allowed to do so from your location.

The app and Terms are the source of truth for current access and eligibility requirements.

What happens if the Liquidium website or team goes offline?

Your positions are not held on Liquidium's servers. They live in canisters (smart contracts) on the Internet Computer, which keep running independently of app.liquidium.fi and Liquidium's backend.

• Check your collateral and debt: The Lending Canister hyk4r-jqaaa-aaaar-qb4ca-cai exposes public query methods that anyone can call, for example through the ICP dashboard or dfx.
• Withdraw collateral: If you sign in with a Bitcoin, Ethereum, or Solana wallet, you sign the withdrawal yourself and it goes directly to the canister. Liquidium holds no key that can sign a withdrawal for you.
• Repay: Repayments are sent on-chain to your repayment address, which can be derived from the canisters. For ETH, USDC, USDT, and SOL, repay with the ck version of the asset over ICP.
• Prices: Asset prices come from the Internet Computer's Exchange Rate Canister, which is controlled by ICP's NNS governance, not from a Liquidium server.

If you use Internet Identity, your position is in the same canisters, and Liquidium holds no key that can act for you. You can check your position and repay without the app. Withdrawing currently depends on the website: Internet Identity only gives you your Liquidium identity on websites approved by Liquidium's identity canister cicgv-7yaaa-aaaar-qca2a-cai, and today the only approved website is https://app.liquidium.fi. Adding another website requires the Liquidium multisig. If you want to be independent of the website, use a supported Bitcoin, Ethereum, or Solana wallet.

The public Liquidium SDK calls the canisters directly in the same way. Doing this without the app requires technical knowledge. See Use Liquidium without the app for step-by-step instructions.

Who can upgrade the Liquidium canisters?

Canister upgrades go through a multisig on the Orbit station w6olv-caaaa-aaaag-awjoq-cai, not a single key. An upgrade needs signatures from multiple Liquidium team members and from external signers.

The same Orbit multisig is the only admin of the Lending Canister. In an emergency, it can freeze a pool, which pauses new borrows and withdrawals from that pool. Repayments remain possible. See Security, governance & risk.

Does Liquidium have a public bug bounty?

Liquidium does not currently publish a fixed public bounty schedule in the docs. If you find a security issue, open the support button in the bottom-left corner of app.liquidium.fi and ask to talk to a human so you can report your finding.

Are Earn strategies managed investment products?

No. Earn docs and examples are educational and operational guidance for using the app. They are not personalized financial advice and do not guarantee returns.