u/uex_platform

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Every crypto-backed loan on the market today carries the same clause: if collateral value falls too far, the platform sells it automatically. No permission asked, executed at the local bottom, position gone. March 2020 liquidated over a billion dollars in a day. 2022 repeated it at scale. Most of those positions would have recovered within a year. The forced sellers never got the chance.

UEX.US is launching Safe Loans next week: loans where liquidation does not exist. Here is the complete picture, including the costs, because the costs are the point.

The core mechanic

Borrow against a crypto portfolio at up to 60% of its value. If the market crashes and collateral falls below the loan value, below it, not near it, nothing happens. No margin call, no partial sale, no countdown email. The collateral stays attached to the account until the borrower repays and reclaims it. The market can do anything in between.

The structures

- Open-ended: no repayment deadline at all. Repay next month or in two years, plus accrued interest, and the assets come back. Indicative APR range 35-75% depending on loan-to-value.
- 6-month term: indicatively around 25% APR. No liquidation during the term. At maturity the loan settles against collateral; if collateral does not cover it, the remainder is still owed.
- 12-month term: same structure, indicatively around 35% APR.

There is also a one-time opening fee, paid in $UEXC, priced individually on account history and assets. For some profiles it is modest, for some genuinely high. The exact quote appears on screen before acceptance, and nothing is charged until accepted.

Where the borrowed funds go

Safe Loan funds stay on the platform for trading. That is the design, not a restriction hidden in fine print: borrowing against a portfolio to trade more, without selling what you hold, is the use case. Containing the funds is what makes the no-liquidation guarantee financially possible. Cash-out needs are served by the standard loan product (up to 90% LTV, normal liquidation rules, lower cost).

Why the math works

The model is insurance, applied to lending. An insurer prices each policy on individual risk, collects premiums calibrated to that risk, and stays profitable across the book even though some claims pay out. Safe Loans price the same way: the one-time fee is the underwriting, the elevated APR is the ongoing premium, and across the whole book the premiums fund the drawdowns the platform absorbs. Insurers have run this model profitably for three centuries. It has simply never been applied to crypto lending at this scale.

The honest caveats

- The cost is real. 35-75% APR on open-ended loans is far above standard lending. The payment buys certainty, not cheap money. Anyone comfortable monitoring their collateral ratio gets a better deal from a standard loan.
- The obligation is real. Walking away means the collateral stays locked and the debt remains. The product removes forced selling, not the loan itself.
- Fixed terms settle at maturity. Shortfalls are still owed. Only the open-ended version waits forever.
- All APRs and terms above are indicative until launch. Final conditions arrive with the product in official channels.

A companion product, Loan Investment, launches alongside: fixed-term participation (3 to 36 months) in funding the Safe Loans book, next to the platform treasury and financial partners. Backed by the company and its partners, and general investment risk applies, including possible loss of invested funds.

TL;DR UEX launches loans next week where liquidation is structurally impossible. Up to 60% LTV, open-ended or 6/12-month terms, APRs from ~25% to 75% plus a one-time $UEXC fee, priced like insurance because it is insurance. Expensive money, absolute certainty, and the borrower finally chooses which one matters more.

Rates and terms indicative until launch. Not financial advice.