Bitget Interest‑Free Loan Program
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Bitget Interest‑Free Loan Program
2026-10-27 11:01
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Bitget officially launches a brand‑new interest‑free loan program, designed to provide professional institutional investors and high‑frequency quantitative traders with a more competitive low‑cost capital solution. By achieving specified trading volume or position‑holding targets, eligible institutional clients can enjoy interest‑free benefits on USDT borrowing up to corresponding quotas.
The benchmark interest rate for institutional USDT lending has been adjusted to 3.5%, effective from November 1. Existing institutional clients can still enjoy a USDT borrowing rate of 2.8% until December 1. For newly signed institutional clients, the USDT benchmark interest rate will be 3.5% starting from November 1.
Plan 1: Volume-based Assessment Interest-Free
Eligible Clients: All VIP/Pro accounts may apply. The maximum interest‑free quota is 10M USDT, based on 30‑day cumulative trading volume.
Base Lending Rate: 3.5% (fixed rate)
Monthly Volume Requirements for Interest‑Free Borrowing (USDT):
|
Interest‑Free Quota (USDT)
|
Spot Maker
|
Spot Taker
|
Futures Maker
|
Futures Taker
|
|
10M
|
650M
|
350M
|
3B
|
850M
|
|
9M
|
560M
|
300M
|
2.5B
|
700M
|
|
8M
|
480M
|
250M
|
2B
|
580M
|
|
7M
|
400M
|
220M
|
1.5B
|
480M
|
|
6M
|
330M
|
200M
|
1.1B
|
360M
|
|
5M
|
260M
|
150M
|
800M
|
280M
|
|
4M
|
200M
|
130M
|
600M
|
200M
|
|
3M
|
150M
|
60M
|
450M
|
150M
|
|
2M
|
100M
|
42M
|
300M
|
100M
|
|
1M
|
50M
|
25M
|
150M
|
50M
|
Cumulative Effective Trading Volume (Calendar Month) = ∑ (Maker/Taker Volume), calculated independently across four dimensions.
Within a calendar month, if you achieve or exceed the specified performance targets in spot or futures trading, whether as a maker or taker, you will enjoy the interest‑free discount corresponding to the applicable tier. When multiple targets are met, the account will not receive additional benefits beyond the applicable tier.
Plan 2: OI‑based Assessment Interest‑Free
Eligible Clients: All VIP/Pro accounts may apply and may request an interest‑free quota of up to 10M USDT based on the average daily open interest over the past 30 days.
Base Lending Interest Rate: 3.5% (fixed rate)
|
Interest‑Free Quota (USDT)
|
OI – Average Daily Open Interest (USDT)
Before 31 Oct 2026
|
OI – Average Daily Open Interest (USDT)
After 31 Oct 2026
|
|
10M
|
-
|
72M
|
|
9M
|
-
|
64M
|
|
8M
|
-
|
55M
|
|
7M
|
-
|
46M
|
|
6M
|
-
|
38M
|
|
5M
|
30M
|
30M
|
|
4M
|
-
|
22M
|
|
3M
|
18M
|
14M
|
|
2M
|
8M
|
8M
|
|
1M
|
4M
|
4M
|
Daily Average OI: Sum the 24 hourly OI sampling values within a day and divide by 24 to obtain the daily average OI.
Calendar Month Daily Average OI: Sum the daily average OI values from the past calendar month and divide by the number of days in that calendar month.
OI statistical account: master account + all sub-accounts associated with the master account
Plan 3: New User Interest‑Free Loan
Eligible Clients: Clients with a monthly trading volume of more than $10 million on other exchanges may obtain a borrowing limit upon joining Bitget, provided they submit proof of trading volume for the past 30 days.
Borrowing Rules: Within 30 days after obtaining the quota, if the cumulative trading volume reaches the target, the client will enjoy a 60‑day interest‑free period. 30 places per month, on a first‑come, first‑served basis.
Base Lending Interest Rate: 3.5% (fixed rate)
New User Interest‑Free Loan Volume Requirements:
|
Interest‑Free Quota (USDT)
|
30‑Day Cumulative Trading Volume (USDT)
|
|
200K
|
> 10M
|
|
500K
|
> 25M
|
|
1M
|
> 50M
|
Cumulative Effective Trading Volume (Calendar Month) = ∑ (Spot Maker) + ∑ (Spot Taker) + ∑ (Futures Maker) + ∑ (Futures Taker)
Expiry Assessment:
If the trading volume target is not met, interest must be paid at the agreed rate. If the target is met, the interest‑free period will be extended by 60 days, for a total of 60 days interest‑free.
Plan 4: Fixed Interest Rate
Eligible Clients: All VIP/Pro accounts may apply for a fixed interest rate, with no assessment requirements.
|
Currency
|
Term
|
Rate
|
Borrowing Minimum
|
Assessment
|
|
USDT
|
30–365 days
|
3.50%
|
1M USDT
|
No target
|
|
BTC
|
30–365 days
|
1.00%
|
12.5 BTC
|
No target
|
Details of Interest‑Free Programs
Plans 1‑4 apply to both Institutional Lending and Unified Account Manual Borrowing products. You may choose the corresponding product for your interest‑free borrowing application according to your needs.
For the two products, only one may be selected as the interest‑free assessment product (Plans 1, 2, 3). The fixed‑rate plan (Plan 4) has no such restriction and may be applied for simultaneously in both Institutional Lending and Unified Account Manual Borrowing.
|
Interest-Free Loan
|
Institutional Loan
|
Unified Account Manual Borrowing
|
|
Maximum Interest‑Free Quota
|
Up to 10M USDT (applicable to both products)
|
|
|
Interest‑Free Borrowing Currency
|
USDT
|
|
|
Assessment Period
|
Each calendar month. Bitget reviews trading volume / open interest on the 1st day of each month.
|
|
|
Interest Rebate Mechanism
|
If performance targets are met, Bitget will automatically waive the interest paid during that assessment period (corresponding to the loan tier) before the 7th day of the following calendar month.
|
If performance targets are met, Bitget will refund all interest paid during that assessment period in USDT.
|
|
Interest Collection
|
Daily Accrual, Monthly Settlement
• If performance falls below the current tier but exceeds a lower tier, only the portion of the loan corresponding to that lower tier is eligible for rebate; interest on the remainder is retained.
• If no target is met, no rebate is given, and any interest already paid will be retained.
|
Hourly Accrual, Monthly Settlement
• If performance falls below the current tier but exceeds a lower tier, only the portion of the loan corresponding to that lower tier is eligible for rebate; interest on the remainder is retained.
• If no target is met, no rebate is given, and any interest already paid will be retained.
|
|
Excluded Trading Pairs
|
Trading pairs included in the "Spot 0‑fee Promotion List" are excluded from volume calculation.
|
|
|
Eligibility
|
Applicants must contact a BD/RM to formally submit an application and successfully complete the qualification review process.
|
|
Notes
-
Plans 1, 2, and 3 are mutually exclusive – only one of them can be selected at a time, and they cannot be combined. Plan 4 (fixed interest rate) may be stacked on top of other plans.
-
Prorated assessment – if the borrowing period is less than a full month, or if partial repayments or additional loans cause the outstanding amount to change during the month, the assessment requirements will be calculated proportionally based on the actual time/amount.
-
Base annual interest rate adjustments – the base rate may be adjusted according to market conditions and will take effect on the 1st day of each month. If any adjustment is made, Bitget will notify you before the 15th day of the preceding month.
-
Consolidated assessment – if you have multiple loan orders, they will be combined and assessed as a single loan for the purpose of meeting performance targets.
-
Excluded volume – trading volume from zero‑fee trading pairs will not be counted towards your effective trading volume.
-
Loan recall – if you fail to meet the interest‑free targets for three consecutive months, Bitget reserves the right to recall the corresponding interest‑free loan.
-
Final interpretation – Bitget reserves the right of final interpretation of the above rules. For details, please consult your account manager.
*Questo annuncio è sensibile al fattore tempo. Si prega di notare la data di pubblicazione. La piattaforma non si assume alcuna responsabilità per eventuali perdite dirette o indirette derivanti dal mutare delle circostanze o da contenuti obsoleti.
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