To help users unlock greater borrowing capacity and improve capital efficiency, Bybit is updating the collateral ratio framework for UTA Loans. Effective Aug 4, 2026, at 8AM UTC, collateral ratios for supported assets will be increased.

Key updates:
1. Collateral ratios introduced for super-large position tiers
• Previously, collateral exceeding the highest position tier threshold had a collateral ratio of 0 and did not contribute to collateral value.
• After this update, super-large positions will receive a collateral ratio of approximately 0.1 to 0.8, depending on the asset.

2. Collateral ratios increased for higher position tiers
• Collateral ratios for higher position tiers have been increased across supported assets.
• This adjustment slows the decrease in collateral value as position size grows, allowing users with larger holdings to receive greater collateral value.

3. Collateral ratios unchanged for base tiers
• Collateral ratios for base tiers remain unchanged.
• No supported assets will have their collateral ratios reduced.

What it means for users:
• Users using major assets such as ETH, SOL, BNB, DOGE, XRP, ADA, LINK, LTC, TRX, SHIB, PEPE, and DOT as collateral will benefit from increased borrowing capacity.
• No action is required. Updated collateral ratios will be applied automatically when calculating collateral value.

For detailed collateral ratio updates, please refer to this page.

If you have any questions, please contact Customer Support.