CoinRabbit has officially reduced its crypto lending rates for XRP loans and over 300 other assets, bringing the starting APR down to 11.95% from the previous 17%. The platform also rolls out two liquidation loan-to-value (LTV) tiers — a standard 80% and a conservative 90-95% — giving users flexibility in risk management.
Rate Drop from 17% to 11.95%: CoinRabbit Overhauls Loan Pricing
According to the announcement, the new rates apply to a broad range of collaterals including XRP, BTC, and 300+ tokens. Historically, CoinRabbit's APR floated around 17%; the latest revision lowers the entry point to 11.95%. Participants in the Private Program can access even lower custom rates tailored to their borrowing needs. The final APR is determined by the LTV ratio (50-90%) and loan terms — fixed-term or open-ended.
“Reducing rates is part of refining the financial model to make lending more efficient for diverse portfolios. In today’s dynamic market, the goal is to provide a capital preservation tool that offers liquidity while keeping assets invested,” said a CoinRabbit representative.
Two Liquidation LTV Options: 80% Standard vs. 90-95% Buffer
The liquidation LTV is the threshold at which a loan gets forcibly closed. Most platforms set it between 78% and 83%. CoinRabbit now offers two distinct paths:
Standard 80% liquidation LTV: For a $10,000 XRP collateral loaning $5,000 (initial LTV 50%), liquidation triggers when collateral drops to $6,250. Alerts are sent as the value approaches that line, giving borrowers time to act.
Conservative 90-95% liquidation LTV: Same $10,000 XRP collateral loaning $5,000 — liquidation kicks in at $5,500 collateral (90% LTV). This extra buffer (roughly $750) suits users who prefer less frequent margin calls.
The choice hinges on experience and risk appetite. Standard suits seasoned lenders who monitor closely; conservative provides more room for price swings without forced liquidation.
Loan Process and Risk Controls
CoinRabbit promises loan disbursement within 10 minutes. Supported collaterals include XRP, BTC, and 300+ assets, with LTV ranging from 50% to 90%. Users can opt for fixed-term or open-ended loans. The reduced rate is displayed in real-time on the platform's calculator. As collateral nears the liquidation LTV, the system sends instant alerts so borrowers can adjust positions.
Since 2020, CoinRabbit claims to have issued over $1.45 billion in loans while maintaining a 100% capital reserve — client funds are never reused. Services in Canada are provided by 1001285225 ONTARIO INC.