Instant Funds

Yes — you can open a position using an eligible digital bitcoin miner instead of BTC. It's locked while the position is open and keeps earning BTC rewards during a normal term; rewards are frozen only if the position is liquidated. Unlike BTC positions, auto-renewal is always on and you can't add collateral — to lower Risk Level, repay part of what you owe. Eligible miners are held in your GoMining wallet, not listed for sale, 12 W/TH or better, not a bonus miner and not already used as collateral.

BTC positions: Your BTC stays locked — not sold. If the BTC price goes up while your position is open, the gain is yours. Once you repay, your BTC is returned to your wallet in full. Miner positions: Your miner is locked and keeps earning BTC rewards during a normal term; rewards are frozen only if the position is liquidated. It can't be sold, upgraded, or withdrawn until you repay

A service fee charged when you open any position — between 1.5% and 2%, depending on your VIP level or Platinum+ subscription. If your position auto-renews, the same fee applies for the new 30-day period at your current rate. Already charged fees don't change — only the next renewal will reflect your updated rate. There's no interest and no daily charges. BTC positions: if your position closes automatically, a 2% swap fee applies — we convert enough BTC to USDT to cover what's left to repay and return the rest to your wallet. Miner positions: Auto-renewal is always on and can't be turned off, so your position renews every 30 days until you repay in full. Each renewal charges the service fee at your current rate at that time If a miner position is liquidated, a one-time charge equal to the service fee is added to the amount you owe.

Risk Level shows how close your position is to closing automatically. It's calculated as Risk Level = Debt / Collateral Value and shown as a percentage. The higher it is, the less room you have before the position closes. BTC positions: Risk Level moves with BTC price — if BTC price drops, your collateral is worth less and Risk Level rises. Each service fee charged at auto-renewal adds to what you need to repay, which also raises Risk Level. Miner positions: Risk Level moves with your miner's value, and rises each time a service fee is added to what you need to repay after an auto-renewal You'll get push and email warnings as Risk Level rises. To lower it, repay part of what you owe or, for BTC positions, add more BTC.

BTC positions: close in three cases — you repay in full; Risk Level reaches the liquidation threshold; or the 30-day term ends with auto-renewal off. In the last two cases, we convert enough BTC to USDT to cover what's left to repay, charge a 2% swap fee, and return the rest to your wallet. Miner positions: close when you repay in full, or if Risk Level reaches the liquidation threshold. If liquidated, your miner's rewards are frozen and a one-time charge equal to the service fee is added to what you owe. You then have 7 days to repay in full (partial repayment isn't available) and get your miner back. Otherwise, the miner is seized. Rewards from the moment of liquidation aren't returned

Yes — you can repay anytime, in full or in part. Partial repayments lower your Risk Level. Once fully repaid, your BTC is returned to your wallet or your miner is unlocked. After a miner position is liquidated, only full repayment is available