Question 1

How does borrowing on Liquidium work?

Accepted Answer

Deposit Bitcoin as collateral and borrow stablecoins without selling your BTC. Liquidium uses over-collateralized loans with transparent terms, so you can unlock liquidity while keeping your Bitcoin exposure.

Question 2

What assets can I use as collateral and what can I borrow?

Accepted Answer

On Liquidium, both directions are possible: you can use Bitcoin as collateral to borrow stablecoins, and you can also use stablecoins as collateral to borrow Bitcoin. Available assets and borrowing pairs may vary depending on chain support and current pool liquidity.

Question 3

Is borrowing on Liquidium over-collateralized?

Accepted Answer

Yes. All loans are over-collateralized to support protocol safety. Your borrowing power depends on collateral value, selected parameters, and your position health.

Question 4

What happens if my collateral value drops?

Accepted Answer

If your health factor falls below the liquidation threshold, part or all of your collateral can be liquidated to repay debt. You can reduce this risk by adding collateral or repaying part of your loan.

Question 5

Do loans have an expiry or fixed term?

Accepted Answer

No fixed term. You can keep a loan open as long as your position remains healthy and interest is covered.

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