$100 Million Liquidity Plan: Why Now is the Best Time to Participate in XT VIP Lending?

Over the past two months, the cryptocurrency market has experienced a continuous downward trend, with price volatility leading to some users losing money. Market liquidity has decreased significantly, and trading depth has declined—making many investors extremely cautious in their operations.

However, such a market downturn is not necessarily all risk. For users who can flexibly allocate funds and maintain their core positions, the downturn may also be a golden window to position for the next rebound.

The good news is that XT.COM recently launched a "$100 Million Liquidity Program," which provides more ample market liquidity for users who need efficient funding through the platform's VIP lending .

This article will give you a quick overview of the basics of crypto lending, how XT VIP lending works, and why now is the best time to participate in XT's "$100 Million Liquidity Program".

What is crypto lending? Why is it becoming increasingly popular?

"Crypto lending" refers to lending using cryptocurrency as collateral on centralized cryptocurrency exchanges or decentralized finance (DeFi) protocols. Its logic is actually quite simple, similar to traditional mortgage lending:

• User-collateralized assets (such as BTC/ETH)
• Funds lent to users by the platform (such as USDT/USDC)
• The user will repay the principal according to the interest rate in the future.

Common uses of crypto lending include: retaining underlying assets, avoiding selling tokens, capturing market opportunities and arbitrage, releasing asset liquidity, and investing in other projects or financial products.

In the DeFi space, lending typically requires overcollateralization. For example, if a user wants to borrow $100, they may need to pledge assets worth $150 to provide a buffer against price fluctuations.

Why use crypto lending? What are the benefits?

What are the uses and benefits of crypto lending? Let's take an example to illustrate this:

Bob is a staunch BTC HODLer, holding 1 BTC worth $100,000. He firmly believes the price will rise to $120,000, but he has one principle: never sell the coin. His goal is to turn this BTC into a "money printing machine," not an ATM.

So he opened his centralized exchange account and deposited 1 BTC as margin. The platform responded immediately. Bob then used his own $100,000 plus a borrowed $200,000 to instantly hold 3 BTC.

From that moment on, he was no longer a holder of 1 BTC, but a long position of 3 BTC. Three months later, as he predicted, BTC steadily climbed to $120,000 . His profit from the 3 BTC reached $60,000 .

After deducting loan interest (approximately $1,800 for 90 days) , Bob netted $58,200. He still holds 1 BTC of principal, plus $58,200.

Therefore, the significance of crypto lending lies not only in temporary liquidity but also in its ability to transform the same principal into a larger holding capacity when bullish on a particular cryptocurrency. Without selling their underlying holdings, users can leverage collateral to create larger positions, thereby amplifying potential gains.

Note: This strategy only works when the price of BTC rises. If the price falls, Bob's losses will be amplified because the stablecoin loan must be repaid to retrieve the collateral.

XT.COM launches $100 million liquidity plan

In a sluggish market, the real difference lies not in price fluctuations, but in who can maintain liquidity, hold their core holdings, and position themselves in advance when the market is hesitant. Recently, with the crypto market experiencing a decline in liquidity and a rise in risk aversion, many users are not facing the challenge of how to earn more, but rather how to maintain operational flexibility without selling their tokens.

Therefore, XT.COM has officially launched the "$100 Million Liquidity Program," offering VIP lending services with larger loan amounts, lower interest rates, unlimited lending funds, and more flexible terms to help users manage their funds confidently during periods of market uncertainty, putting opportunities in their own hands. Participate now for a chance to win up to 1200 XT in an airdrop and a chance to win an iPhone 17 Pro Max!

Specifically, XT VIP lending is a flagship service designed for users with large, professional, and long-term investment needs.

First, XT VIP lending supports customization, with over 300 collateral and borrowing currencies to meet the asset needs of different customers; at the same time, it also supports various loan terms to flexibly match customers' funding cycles.

XT VIP lending offers unlimited loan amounts , catering to the large borrowing needs of major clients and institutional customers. It features flexible lending rules, allowing users to repay at any time and even early.

VIP loans offer more favorable interest rates and no forced liquidation for overdue payments. The XT platform provides highly competitive interest rates in the market, significantly reducing borrowing costs for customers. Orders will not be automatically liquidated after they are overdue, eliminating the risk of forced liquidation losses due to forgotten payments.

Furthermore, XT VIP lending offers unlimited lending funds, which can be freely withdrawn, traded, pledged, and used for investment. Uses include, but are not limited to:

• Trading: Engaging in spot and contract trading to capture market opportunities and quickly generate profits.
• Investment: Subscribe to XT investment products, participate in on-chain staking mining, and continuously enjoy stable returns.
• Participate in activities: Participate in activities on platforms such as Launchpool to unlock more benefits and increase your assets.
• Withdrawal: Supports direct withdrawal to other exchanges or on-chain external addresses, without restrictions.

At the same time, the platform provides one-on-one service to major clients and 24/7 real-time risk monitoring to ensure asset security.

The $100 million liquidity program will officially launch on November 12, 2025 at 18:00 and will continue until December 12, 2025 at 18:00 (UTC+8) .

During this period, users who borrow USDT/USDC can receive corresponding XT token airdrop rewards, with a maximum of 1200 XT airdrop , and also have a chance to win an iPhone 17 Pro Max!

The specific loan amounts and corresponding reward rules are as follows:

Loan Amount (in U.S. dollars) Rewards Minimum Loan Term 10,000 ≤ Loan Amount < 20,000 $200 XT 3 months 20,000 ≤ Loan Amount < 30,000 $400 XT 3 months 30,000 ≤ Loan Amount < 50,000 $600 XT 3 months 50,000 ≤ Loan Amount < 1,000,000 $1,000 XT 3 months Loan Amount ≥ 1,000,000 $1,200 XT + iPhone 17 Pro Max 1 year

Now, you can participate in the $100 million liquidity program by simply contacting an account manager to register or sending your loan request to wealth@xt.com . Users can also view more details on the "VIP Lending" page.

In general, a downturn in the crypto market doesn't mean you should just sit on the sidelines. Maintaining a core position, improving capital utilization, and positioning yourself before a rebound can actually give you an advantage over most users.

XT.COM 's "$100 Million Liquidity Plan" VIP lending program was created for this purpose: to obtain ample liquidity without selling tokens, capture market opportunities, and steadily improve asset efficiency.

If you are looking for a safe, flexible, high-limit, and low-interest loan option, then this event is undoubtedly the best time to participate.

About XT.COM

Founded in 2018, XT.COM is a leading global digital asset trading platform with over 12 million registered users, operating in more than 200 countries and regions, and boasting an ecosystem traffic exceeding 40 million. The XT.COM cryptocurrency trading platform supports over 1300 high-quality cryptocurrencies and over 1300 trading pairs, offering diverse trading services including spot trading , leveraged trading , and contract trading , and is equipped with a secure and reliable RWA (Real World Asset) trading market. We are committed to the philosophy of "Explore Crypto, Trust Trading," dedicated to providing global users with a safe, efficient, and professional one-stop digital asset trading experience.