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.

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.

What are the current LTV and liquidation values?

Current pool parameters are:

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

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.

Can I repay by using my supplied collateral?

Not currently. Supplied collateral is not automatically sold or swapped to repay debt. In the advanced flow, repay with a connected wallet or by sending the borrowed asset to the repayment address shown in the app, then withdraw supplied assets separately after reducing or clearing debt.

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 amount is repaid. In the advanced flow, repayment lowers debt, and supplied collateral is withdrawn separately.

Do Advanced positions have a Loan ID?

No. The 6-character Loan ID is for Simple Loans. Advanced connected-wallet positions are managed from the Portfolio tab. To repay, expand the borrowed asset and choose Repay. To withdraw supplied collateral, expand the supplied asset and choose Withdraw.

What should I do if I sent a repayment with the wrong asset, network, or address?

Stop sending additional funds and contact support from the button in the bottom-left corner of app.liquidium.fi. Ask to talk to a human and 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.

Wrong-asset, wrong-network, or wrong-address transfers are not guaranteed to be recoverable. Support needs the transaction details to investigate what happened.

Which ICP address format should I use?

Use the destination format shown as supported in the app for the flow you are using. Depending on the ICP flow, Liquidium may support a principal, ICRC-1 account, or AccountIdentifier.

For Simple Loans, double-check the refund and destination addresses before generating the loan. They cannot be changed after the loan is generated.

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

Yes, use Simple Loans if your setup can send the collateral asset and receive the borrowed asset without connecting directly to Liquidium.

Simple Loans work by entering refund and destination addresses, generating a loan, and sending collateral to the supplied address. This can work with air-gapped wallets, hardware wallets, exchange accounts, or other setups that can send and receive the supported assets shown in the app.

Always use addresses you control or can reliably access. Refund and destination addresses cannot be changed after a Simple Loan is generated.

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.

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, where WalletConnect is available in the app. Choose WalletConnect in the Liquidium sign-in flow, then scan the QR code or copy the WalletConnect URI into Oisy if that option is shown.

If the QR code or URI expires, reopen the connect flow and use the new one.

What should I do if a WalletConnect link or QR code expired?

WalletConnect links and QR codes expire quickly. If your wallet says the URI expired, reopen the Liquidium sign-in flow and generate a fresh QR code or WalletConnect URI.

Use the new QR code or URI right away. If wallet connection state still looks wrong, disconnect the wallet, hard refresh the app, and sign in again.

Can I use Phantom for BTC?

No. Phantom is supported for EVM 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.

Where can I find transaction history?

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

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.

Is there a Discord or community chat?

Yes. Join the Liquidium Discord at https://discord.com/invite/8TEMtqJJCS.

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 Vaults managed investment products?

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