A conservative loan-to-value ratio of 20%-40% safeguards customers’ bitcoin, while a loan health tracker provides real-time insights into loan status.
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Xapo Bank notifies it’s loan clients if the Bitcoin collateral price drops, allowing them to either top up their collateral or make partial repayments to maintain the loan
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Xapo Bank offers Bitcoin backed loans to investors in Europe and Asia, excluding U.S, with a conservative loan-to-value ratio ranging from 20% to 40%, requiring around $5 million in Bitcoin collateral for a $1 million loan, which helps managing Bitcoin price fluctuation risks
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