These APIs allow users to calculate and preview loan details for the main account. They provide clear insights into borrowing capacity, repayment schedules, and interest estimates—helping users make confident financial decisions.
Use Cases
These endpoints are primarily used for loan planning and offer preview. Common use cases include:
-
Estimate Borrowing Capacity
Calculate the maximum AUD amount a user can borrow against a given crypto amount (e.g., 1 BTC). -
Interest Projections (Line of Credit only)
Estimate the total and daily interest payable over the full loan term, based on the desired borrow amount. -
Monthly Repayment Estimation (Fixed Term only)
Determine the monthly repayment required for a given loan amount and term.
When a sub-account is created, use the Sub-Account Loan Offer endpoint for the most accurate calculations.
The Main Account Loan Offer endpoint is intended for use before sub-account creation.
Working with Loan Calculator APIs
GET /main-account/loans/offer
Retrieve loan offers for the main account (use before sub-account creation).
POST /main-account/loans/offer/preview
Preview loan details based on selected parameters.
POST /main-account/loans/line-of-credit/interest
Calculate expected total and daily interest for a Line of Credit loan.
POST /main-account/loans/fixed-term/schedule
Generate a monthly repayment schedule for a Fixed Term loan.
GET /main-account/ltv/limits
View Loan-to-Value Ratio (LVR) thresholds by supported currencies. ⚠️ Different crypto assets have different health thresholds. For example:
- BTC: Attention at 50% LVR
- USDT: Attention at 90% LVR
POST /main-account/borrow-limits
Calculate fiat borrow limits based on available security.