Bybit Introduces Fixed-Rate UTA Loans Offering Up to 10x Leverage and Up to 180-Day Borrowing

Bybit has launched fixed-rate UTA loans, allowing traders to leverage up to 10x with borrowing terms of up to 180 days, enhancing trading stability.

What Are Bybit 's New Fixed-Rate UTA Loans All About? If you're a crypto trader, you're likely always on the lookout for the latest offerings that can give you an edge. Well, look no further! Bybit, the world’s second-largest cryptocurrency exchanges by trading volume, has just rolled out a groundbreaking feature: fixed-rate UTA loans. This new option offers savvy traders the opportunity to leverage their assets with rates and durations that bring stability and predictability to their trading strategies. How Do Fixed-Rate UTA Loans Work? Launched on February 28, 2026, at 8 a.m. UTC, Bybit's fixed-rate loans are now part of its Unified Trading Account (UTA) Loan product. This UTA allows users to manage a blend of spot trading, derivatives trading, and borrowing all within a single account framework. With these fixed-rate loans, users can borrow assets at a predefined interest rate and loan duration, which can extend up to 180 days. This flexibility makes it easier to strategize over longer-term trading horizons while locking in costs. Previously, Bybit's UTA only supported floating-rate loans with interest assessed hourly without set repayment dates. What Benefits Does Fixed-Rate Borrowing Bring? The introduction of fixed-rate borrowing is a game changer for traders who appreciate the predictability of costs. Users now have the choice between floating-rate flexibility and fixed-rate reliability. Under the new system, both the interest rate and maturity date remain unchanged for the term of the loan. This means that you can confidently engage in leveraged trading without worrying about fluctuating interest rates derailing your plans. Additionally, Bybit provides two ways to borrow: Manual Borrow, where you can initiate borrowing in advance, and Auto Borrow, which activates automatically based on your trading activity. This level of automation can help you maximize your trading potential seamlessly. What Happens When You Repay Before Maturity? A unique feature of Bybit