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We’re enhancing the Unified Trading Account (UTA) Manual Borrowing experience. A new fixed-rate borrowing option will roll out in phases starting Dec 17, 2025 (the full launch date may vary based on readiness).

Lock a fixed annualized borrowing rate for a chosen term to avoid market-rate volatility and unpredictable costs.

 Choose from 7, 14, 30, 60, 90 or 180 days.

If liquidation occurs, you can restore collateral and continue the remaining term. No interest will accrue during the interruption.

Before vs after (Manual Borrowing in UTA)

2. Select Fixed rate, choose a term and set your APR.

[Manual Borrowing: Key Changes & How It Works](https://www.bybit.com/en/help-center/article/Manual-Borrowing-in-UTA-Loan-Key-Changes-and-How-It-Works).

If you have any questions, please contact our Customer Support.

Bybit UTA Manual Borrowing: Fixed-rate option coming soon

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