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LiveSmart contracts audited by ChainSec — full report published

Crypto Loans

Borrow fiat & stablecoins. Keep your crypto.

Open-ended. No fixed maturity. Repay when ready.

Borrow USD, EUR, GBP, USDC, or USDT against BTC or ETH at rates that scale down with your tier. Partial liquidation protects your downside.

Understanding LTV

How your collateral backs your loan

Loan-to-Value (LTV) measures how much of your collateral's value you've borrowed against. A lower LTV means more safety margin. Higher tiers unlock higher LTV limits.

Base
Max LTV45.0%
Silver
Max LTV55.0%
Gold
Max LTV65.0%
Platinum
Max LTV75.0%
Collateral
100%
Loan
65% LTV
Liquidation
85% LTV

Calculator

Model your loan

≈ $38,000

Loan amount$19,000
Max available (65.0% LTV)$24,700
Effective APR5.2%
Monthly interest$82
Health factor1.70
Liquidation price (ETH)$2,235
Open a loan

Safety

Partial liquidation protects your position

Early warning at 80% LTV

In-app, email, and optional SMS alerts give you time to top up collateral.

50% partial liquidation

At 85% LTV, only 50% of collateral covers the debt. The other 50% stays locked.

5% penalty, no surprises

A flat 5% penalty on the liquidated portion. All amounts logged on-chain.

Why borrow instead of sell?

No taxable event

Borrowing doesn't trigger capital gains in most jurisdictions.

Keep upside exposure

If collateral appreciates 50%, you keep 100% of that gain.

Zero slippage

Receive fiat or stablecoins directly — no DEX routing, no sandwich attacks.

FAQ

Common questions,
honest answers.

Access liquidity without selling.

Connect a wallet, deposit collateral, receive fiat or stablecoins.

Crypto-backed lending and yield products carry risk of loss. Read our full risk disclosure before participating.

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