Over the past two months, the crypto market has been under steady downward pressure. Price volatility has dragged down portfolio values, trading depth has thinned out, and overall market liquidity has dropped sharply. Naturally, many investors have shifted into defensive mode.

But a slow market doesn’t equal zero opportunity. For users who can manage capital efficiently and hold onto their core assets, a downtrend can actually be the ideal time to prepare for the next reversal.

Here’s where the good news comes in:

XT.COM has launched a $100 Million Liquidity Program through its VIP Loan Service, providing users with greater flexibility and deeper market liquidity.

This article provides a quick overview of the basics of crypto lending, how XT VIP Loan operates, and why now is the perfect opportunity to take part in XT’s $100 Million Liquidity Program.

What Is Crypto Loan and Why Is It Surging in Popularity?

Crypto loan lets users borrow and lend assets using crypto as collateral—either through centralized exchanges or decentralized finance (DeFi) platforms. Similar to traditional collateralized loans, its logic is simple and familiar:

• Deposit crypto as collateral (e.g., BTC or ETH)
• Borrow stablecoins (e.g., USDT or USDC)
• Repay principal + interest later

Crypto lending is commonly used to retain underlying assets rather than sell, capitalize on market opportunities and arbitrage, unlock liquidity, and allocate funds to other projects or savings products.

In DeFi, loans are usually overcollateralized. For instance, to borrow $100, a user might need to stake $150 worth of assets as a buffer against market swings.

Why Do Users Borrow? What Are the Benefits?

What are the uses and benefits of crypto lending? Here’s an example:

Bob is a committed BTC HODLer, holding 1 BTC valued at $100,000. He believes the price will rise to $120,000, but he has one rule: never sell. His goal is to turn his BTC into a “money printer,” not just an ATM.

He opens an account on a centralized exchange and uses his 1 BTC as collateral. The platform responds instantly. Bob then combines his $100,000 with a $200,000 loan, going all-in on 3 BTC.

Now he’s no longer just holding 1 BTC—he’s long 3 BTC. Three months later, BTC climbed to $120,000 as he predicted. His 3 BTC position earns $60,000 in profit.

After subtracting borrowing costs (about $1,800 for 90 days), Bob nets $58,200. He still holds his original 1 BTC plus $58,200 in profit.

This shows that crypto loans aren’t only for short-term liquidity. For users who are bullish on specific assets, it can dramatically increase position size without selling core holdings—effectively amplifying gains when the market moves upward.

Important: This strategy only works when BTC prices rise. When prices fall, losses are also magnified since borrowed stablecoins must be repaid before collateral can be reclaimed.

XT.COM Launches Its $100 Million Liquidity Program

In weak market conditions, the true differentiator is not price movement—it’s who can maintain liquidity, avoid selling core holdings, and position early for the next reversal.

As market depth shrinks and risk aversion rises, many users face the same challenge: not how to earn more, but how to stay flexible without selling assets.

This is why XT.COM has officially launched the $100 Million Liquidity Program, providing large borrowing limits, lower interest rates, unrestricted use of borrowed funds, and flexible durations through its VIP Loan service.

Participants can receive up to 1200 XT airdrop rewards and even enter to win an iPhone 17 Pro Max.

XT VIP Loan Service is a flagship offering designated for high-volume, professional, and long-term users.

First, XT VIP Loan offers fully customizable arrangements, supporting over 300 collateral and loan assets to cater to a wide array of client portfolios. It also provides multiple lending terms, enabling users to align their borrowing periods with their liquidity needs.

There are no borrowing limits under VIP Loan Service, making it well-suited for high-net-worth and institutional clients seeking substantial credit lines. The program features highly flexible rules, enabling users to repay at any time, including early repayment without penalties.

VIP Loan also delivers preferential interest rates with no forced liquidation on overdue orders. XT offers some of the most competitive rates in the market, significantly lowering the cost of capital. Even if an order becomes overdue, it will not be liquidated automatically, removing the risk of unexpected liquidation due to missed repayments.

Additionally, users can freely withdraw funds or put borrowed capital to work through trading, staking, and other earning opportunities, including but not limited to:

• Spot and futures trading to quickly seize market opportunities and generate profits
• Savings and staking products to earn consistent, stable returns
• Participation in Launchpool and other platform events to grow your assets
• Withdrawals to other exchanges or on-chain addresses with full flexibility

Meanwhile, the platform also provides dedicated one-on-one support for major clients, backed by 24/7 real-time risk monitoring to safeguard assets.

The $100 million Liquidity Program officially kicks off on November 12, 2025, at 10:00 and runs through December 12, 2025, at 10:00 (UTC).

During the campaign, eligible users who borrow USDT/USDC will receive tiered XT token airdrop rewards—up to 1200 XT—and a chance to win an iPhone 17 Pro Max.

The borrowing tiers and their corresponding reward rules are as follows:

Loan Amount (USD)	Reward	Minimum Loan Period
10,000 ≤ Amount < 20,000	$200 XT	3 months
20,000 ≤ Amount < 30,000	$400 XT	3 months
30,000 ≤ Amount < 50,000	$600 XT	3 months
50,000 ≤ Amount < 100,000	$1,000 XT	3 months
Amount ≥ 1,000,000	$1,200 XT + iPhone 17 Pro Max	1 year

To participate, contact your account manager or email your borrowing needs to wealth@xt.com.

You can also visit the VIP Loan Service page for more details.

A sluggish market doesn’t mean sidelining your strategy. Investors who maintain their key positions, unlock liquidity intelligently, and prepare early often come out strongest in the next rally.

XT.COM’s $100 Million Liquidity Program gives you exactly that edge—access liquidity without selling your crypto, seize market opportunities, and optimize capital efficiency with confidence.

If you’re looking for a secure, flexible, high-limit, low-interest lending solution, now is the perfect time to take action.

About XT.COM

Founded in 2018, XT.COM is a leading global digital asset trading platform, now serving over 12 million registered users across more than 200 countries and regions, with an ecosystem traffic exceeding 40 million. XT.COM crypto exchange supports 1,300+ high-quality tokens and 1,300+ trading pairs, offering a wide range of trading options including spot trading, margin trading, and futures trading , along with a secure and reliable RWA (Real World Assets) marketplace. Guided by the vision “Xplore Crypto, Trade with Trust,” our platform strives to provide a secure, trusted, and intuitive trading experience.