Discover Bybit’s flexible crypto loan options—borrow against your assets to trade, stake, or earn rewards without selling your crypto.

Borrowing funds for your crypto trading can be an excellent capital efficiency measure. In many cases, it pays to borrow the cryptocurrency of your choice against collateral instead of buying it outright. Crypto loans can also help you access unique yield-generation opportunities, such as leveraged staking. Savvy traders and investors in crypto have long known that borrowing is one of the key avenues for improving the efficiency, flexibility and profitability of your operations. 

Bybit offers you several ways to borrow cryptocurrency. These include flexible rate and fixed-rate overcollateralized crypto loans, Unified Trading Account (UTA) auto-borrowing, the Margin Staked SOL product and Launchpool Borrow & Stake. These options allow you to access crypto funds in highly efficient and flexible ways to support your trades, earn 

 rewards or receive early-stage tokens for free. 

In this article, we’ll look in detail at these four ways of borrowing funds with Bybit, and discuss their key features, use cases and benefits. 

1. Crypto Loans — Liquidity without selling

Bybit offers its users overcollateralized crypto loans, with both flexible and fixed-rate interest. Flexible crypto loans feature variable interest, updated hourly based on prevailing market conditions. Fixed-rate loans offer preset interest for borrowing tenures of 7, 14, 30, 60, 90 or 180 days, depending upon your preference. 

Flexible rate loans are supplied directly by the Bybit platform, while fixed-rate loans are procured through Bybit’s 

 (P2P) lending service. Crypto lenders post their offers on Bybit P2P and specify their preferred conditions, such as the loan duration and interest rate. Borrowers may choose from the existing offers, or create a separate loan order with the interest rate and other conditions they’d like to access. The system then evaluates orders from lenders and borrowers in order to find the optimal match and connect the two parties.

Since early May 2025, the two loan varieties have been integrated into a single user interface under a unified product umbrella called Crypto Loans. You can now use the same shared collateral to secure both flexible and fixed-rate loans. Your collateral can also be used across different markets and products on the platform, such as the Spot and Derivatives markets and Bybit staking products.

 (LTV) thresholds applicable for margin limits, margin calls and liquidation — 80%, 85% and 92%, respectively. 

Bybit offers a wide variety of crypto assets for borrowing and collateral, including 

 and the leading high-cap cryptocurrencies, such as 

Interest rates for all Crypto Loans are compounded hourly. Fixed loans have a set rate in a range specified by the supplier and/or borrower, and flexible-rate loans are subject to a floating rate based on market conditions.

Flexible Crypto Loans are particularly useful for traders who wish to borrow with maximum flexibility and efficiency, repaying the amount when they find it most suitable based on their trading activity. For example, if you borrow funds for just 15 hours to facilitate some short-term trades, you’ll only pay interest for those 15 hours and not a single hour more. 

On the other hand, Fixed-Rate Crypto Loans suit borrowers who would like to operate in complete certainty, regardless of market developments, by locking in a preset interest rate.

2. UTA auto-loans — active capital with full control

Borrowing funds is automatically enabled in certain scenarios under your Bybit 

 (UTA). Automatic borrowing in the UTA is triggered when the following situations arise:

UTA loans aren’t available for manual borrowing; they’re only automatically triggered under the above scenarios. However, repayments are possible both in manual and auto modes. Interest rates for these loans are updated on an hourly basis. 

One key benefit of UTA loans is their applicability to spot margin trading on Bybit. With spot margin trading, you can use assets in your spot account as collateral for 

 with leverage ratios of up to 10x. Supported collateral assets include over 200 cryptocurrencies, including all high-cap coins. 

UTA loans are ideal for leverage trading aficionados, and for active traders who place frequent orders and might find themselves short on funds during a particular trade. The auto-borrowing function of these loans ensures that your orders go through, even if there’s a shortfall of funds or specific assets in your wallet. 

3. Margin Staked SOL — yield boost through leverage

 allows you to use leverage to boost your Solana liquid staking yields. To use this product, you’ll need to commit your SOL funds to Solana staking, which Bybit will manage through the use of the 

. Sanctum is a leading provider of infrastructure and services for Solana staking. 

You can borrow additional funds to stake with up to 4x leverage available. Upon staking, you’ll be issued the 

 (LST) that accrues your staking rewards. 

The interest that you pay on the borrowed funds is updated hourly. All interest repayments are handled automatically, either when the user decides to stop staking or their losses reach 90% of their staked principal. You can redeem your SOL funds at any time.

4. Borrow & Stake on Launchpool — multiply your rewards with minimal funds

option through its Launchpool. By staking your crypto funds and borrowing up to 3x of your principal, you can earn rewards through free tokens of projects offered via the Launchpool. Reward tokens for potential future market stars are usually issued for free by early-stage web3 projects.

is extremely user-friendly, and it takes just a single click to borrow and stake. As with the other three methods of borrowing, the interest rate on your borrowed funds is subject to hourly updates.

Choosing the right tool for your strategy

The four Bybit loan options above each have unique benefits and use cases. Deciding which option best suits you will depend upon your trading strategy, goals, available capital, familiarity with spot margin trading, experience level and openness to leverage. 

The below table summarizes the four loan products by user profile, primary use case and capital efficiency model. 

Bybit’s Crypto Loan products are ideal — not just for borrowing, but also for utilizing your existing idle funds for margin trading and staking to amplify yields. Each product type applies to different potential scenarios:

With the above loan options, crypto borrowing is no longer just about meeting fund shortfalls: now it’s a valid strategy to get the most out of your crypto trading.

Intermediate

bybit loan products suite.png

Bybit Loan: Flexible paths to capital efficiency

Oil is the most volatile major commodity in global markets, significantly more so than gold. It’s not uncommon for oil prices to rise or fall by 5% or more in a single day. 

Introduction: Oil as the most volatile major commodity

Oil is the most volatile major commodity in global markets, significantly more so than gold. It’s not uncommon for oil prices to rise or fall by 5% or more in a single day. This makes oil one of the most attractive instruments for active traders, offering frequent price swings and rapid opportunities.

Unlike most commodities, oil prices are influenced not only by global demand and macroeconomic conditions, but also by direct supply decisions made by producers. These decisions can trigger major shifts — especially when they come from the OPEC cartel, which plays a unique and powerful role in managing global oil output.

Supply side: OPEC, Russia and market control

Oil supply isn’t fixed like that of gold or silver. It’s flexible and largely managed by OPEC and its allies — known collectively as OPEC Plus — including Saudi Arabia, Russia, the UAE, Qatar and other producers. Together, they control more than 35% of global oil supply.

Their decisions to increase or cut production can move the market instantly. For example, OPEC is now considering a third consecutive supply hike, possibly increasing output by 138,000 or even 411,000 barrels per day. Moves of this scale tend to push oil prices lower.

Traders monitor OPEC meetings closely, because supply decisions directly impact price direction. The next major meeting — scheduled for July 2025 — could set the tone for oil markets for the rest of the year.

Demand side: Tariff tensions and global growth

On the demand side, the biggest current factor is Trump’s trade policy. New tariffs slow global trade, and slower trade reduces global growth — and with it, the demand for oil.

This was clearly seen on April 2, when Trump announced a new round of tariffs. Oil prices quickly dropped from $70 to $54 in just a few days — a 22% decline. Later, when tariffs were delayed, oil prices recovered to above $60.

It’s a clear example of how traders respond to political headlines. If more tariffs are announced, oil could fall again. But if a US-China trade agreement is reached, oil prices might rebound sharply on improved demand expectations.

More catalysts ahead: OPEC, Iran and inflation pressure

Beyond trade policy, the following supply-side catalysts are coming into play.

Oil is traded through two main contracts:

Both contracts are highly correlated. Traders choose between them based on geographic preference, liquidity and contract structure.

Technical analysis: Key levels for WTI crude

Looking at the daily chart of WTI crude, the following important patterns are in play.

These levels offer traders clear entry and exit points, based on momentum, reversals and breakout setups.

Conclusion: Oil is set for a volatile summer

Oil remains one of the most dynamic assets to trade, driven by shifting supply, policy decisions and changing global demand. The combination of OPEC’s actions, geopolitical negotiations and tariff developments creates continuous opportunities.

In the coming weeks, make sure to focus on these key drivers:

From a technical perspective, $60 is the key level. A decisive move above or below it could define the next major trend.

For now, the blend of macro news, OPEC production plans and technical volatility makes oil one of the top markets for traders looking to catch fast and meaningful moves.

Advanced

APR25_Fx Street report (1).png

Bybit X FXStreet Commodity Report: Crude oil sees key support at $60 with upside at $68 if tariffs ease

Discover Tokyo Games Token (TGT), Japan’s first AAA web3 gaming token powering immersive play-to-earn experiences like the upcoming TOKYO BEAST.

Japan’s significant share of the global gaming market ranks third largest worldwide and generated $26 billion in revenue in 2024 alone. Now, as the gaming industry’s focus continues to shift toward 

 gaming, it’s not surprising that Japan has jumped on the bandwagon by launching the country’s first blockchain-based AAA gaming platform, Tokyo Games.

With a vision to enrich the current Web3 gaming scene, Tokyo Games will debut into this niche with its much-anticipated AAA game, 

The Tokyo Games Token (TGT), which will facilitate the platform’s growth and functionality, is at the heart of its operations.

The Tokyo Games Token is the token that will be used to drive the operation of all games exclusively built on the Tokyo Games platform. 

The gaming platform is built by Play3 Ltd and is backed by top mobile gaming developers in Japan, such as Cygames and gumi Inc.

The token, which has been dubbed “the first AAA token in Japan,” launched on May 21, 2025, and was issued on the Immutable zkEVM chain.

TGT has a maximum total supply of one billion tokens distributed across various stakeholders on the platform. TGT unlocks have varying vesting schedules designed to promote the project’s health and sustainability.

Notably, the team and the foundation have locked their tokens for one year after the token generation event (TGE) as a show of commitment to making the project successful.

 for the Tokyo Games ecosystem, TGT will have the following three uses:

 is the first web3 game developed by Tokyo Games. Developed through a collaboration with Web3 gaming giant Immutable, 

, a play-to-earn (P2E) game, has a team of over 80 full-time developers and AAA production to produce impressive gameplay.

Its strategic collaboration with Immutable opens up access to the blockchain’s infrastructure, including the Immutable Passport (non-custodial wallet) and the Immutable Global Orderbook for liquidity.

The game’s futuristic storyline takes place in Tokyo, Japan, and comprises three elements: humans, replicants (sentient androids) and BEASTs.

is divided into two systems: BASE and TRIALS.

BASE is for web3 players who leverage BEAST NFTs for a blockchain-based gaming experience. When on the BASE part of the game, you can stake TGT tokens to mint BEAST RAWDISK NFTs. Once minted, you can stake these NFTs to earn rewards. You can create stronger BEAST NFTs in two ways via the LAB feature: breed BEAST NFTs to create a new child BEAST or adjust BEAST parameters according to the battle environment.

 is designed for Web 2.0 players who can win PROXY BEAST, a copy of the BEAST NFT, from gacha and use it to participate in battles for a chance to win TGT tokens and BEAST RAWDISK NFTs.

TOKYO BEAST also lets players participate in prediction games to win TGT tokens. On the BASE system, you can join in prediction games using LUCKY CHIPS, where correct predictions help you earn TGT. LUCKY CHIPS are earned by buying and locking LUCKY TICKET NFTs for as short as a week to two years. The longer the lockup period, the more LUCKY CHIPS the player receives. Meanwhile, players on the TRIALS system can participate in prediction games using TRIALS CHIP, which is obtained by completing daily missions.

You can buy TGT on Bybit’s spot trading platform. To celebrate the listing, Bybit is holding 

 exclusive to the following selected regions in Asia: Japan, Korea, Macau, Taiwan, Brunei, Cambodia, Indonesia, Laos and Vietnam.

A prize pool of nine million TGT tokens is up for grabs for those who participate in the following two events:

Tokyo Games Token is pioneering a new era in Japan’s gaming industry by launching the country’s first AAA web3 gaming ecosystem. At the center of this ecosystem is 

, a P2E game that blends immersive gameplay with blockchain-powered ownership and rewards.

Japan continues to lead in gaming innovation, and TGT brings together the nation’s gaming legacy with decentralized technology’s future. With 

 setting the stage for what's possible in Web3 entertainment, TGT could play a major role in redefining how gamers play, earn and connect digitally.

tokyo games token.png

Tokyo Games Token (TGT): Japan’s first AAA web3 gaming ecosystem

Bybit has secured a MiCAR license from Austria’s Financial Market Authority, allowing it to operate across all 29 EEA countries.

The S&P 500 rose 0.4% Thursday, but futures dipped Friday as markets eyed the PCE report and renewed tariff uncertainty. Gold rose 0.9% to $3,318.69 on weak job data and a court ruling blocking most Trump tariffs, boosting rate cut hopes. The Coindesk Indices, which tracks the broader crypto market, fell 4.06%, with Bitcoin down 1.16% and Ether up 0.41%, in the past 24 hours. Trade these markets and more with up to 500x leverage on Bybit MT5 using this 

Today’s top performer is SAFE, up 26.8% following news that Safe is aiming to replace EOAs with modular smart account infrastructure.

Safe (SAFE), founded in 2016, is a modular smart account infrastructure aiming to replace EOAs with customizable smart contract accounts. It focuses on two key components: Safe{Core} for development and Safe{Wallet} for user interaction. 

, delivering a smoother and more transparent signing experience. Key upgrades include the removal of checkbox friction, a smarter combo button for streamlined actions, human-readable and raw transaction data for audits, a unified UI across transaction stages, redesigned sidebar notes for better context, and a complete backend refactor for improved performance and development. The update enhances clarity, speed, and control for all users.

Check out the latest prices, charts, and data of 

, allowing it to operate across all 29 EEA countries. The exchange has also established its European headquarters in Vienna and plans to hire over 100 staff. This move reinforces Bybit’s commitment to compliance and transparency while expanding localized crypto services and supporting blockchain innovation across Europe.

Yesterday, BTC spot ETFs saw a total outflow of $471.9 million, with $107.5 million from GBTC and $364.4 million from non-GBTC funds.

, with all previously earned points retroactively credited to users. Backed by $88.2M in funding, Nansen is a leading on-chain analytics platform offering users the opportunity to earn points—potentially eligible for a future airdrop—by staking tokens like HYPE, SUI, APT, SOL, TRX, ATOM, TIA, NEAR, and STRK. Users can stake through the Nansen platform or directly from their wallets by selecting Nansen as the validator. While sign-up is free, paid members may receive higher rewards due to lower participation.

Beginner

3.png

Bybit sets up EU headquarters in Vienna after securing MiCAR license

Bybit Learn

Trading

Explore key similarities and differences in using technical analysis (TA) for stocks vs. crypto, and how to adapt popular indicators for crypto trading.

New-user-5050-USDT_728x90.png

Skinny_Banner-1600x400.webp

 (TA) is a significant component of modern trading. The term refers to a body of analysis methods and indicators used to forecast future market movements based on past price and volume data.

In the stock market, TA indicators like support and resistance levels, Bollinger Bands, chart patterns and moving averages have been used successfully for decades. Many crypto traders apply the same TA methods to predict the prices of cryptocurrencies. However, due to the inherent differences between stocks and crypto, applying these methods to crypto trade directly may not be as straightforward as it seems.

In this article, we’ll explore which common TA indicators might work for crypto, at least with certain adjustments, and which might mislead you when applied in the unique world of cryptocurrency.

 are among the key concepts in TA. A support level is a price point at which a downtrend is widely expected to halt, while a resistance level is a price point at which an asset’s uptrend is expected to fizzle out. Traders expend considerable effort to identify likely support and resistance levels for a stock or cryptocurrency, considering factors like the asset’s overbought and oversold indicators, orders clustered around a certain price level, previous highs and lows, institutional buying behavior and more.

In both the equities and crypto markets, support and resistance levels can provide valuable insights. These levels are often more predictable in the stock market thanks to its more established nature, higher liquidity and strong institutional participation. On the other hand, the crypto market’s 

, whale activity, lower liquidity and susceptibility to news and online hype can make estimated support and resistance levels less certain. This is particularly the case with lower-cap altcoins, whereas support and resistance levels are more clear-cut for the top assets, such as 

Despite the lower certainty of support and resistance in crypto trade, both markets conform to the general rules of estimating these levels since they are driven by basic human psychology.

For instance, the round-number bias is a significant determinant of support and resistance. It manifests itself in clear support and resistance points around round numbers, e.g., $70,000 for BTC. Since many investors, particularly less experienced retail players, often think in terms of round numbers — e.g., I’ll buy this asset when it hits $70,000 — there tends to be clear order clustering around these points. The flurry of orders at or very near round numbers tends to provide support or resistance to the price.

Although support and resistance levels apply to both stocks and crypto, use them more cautiously in crypto as they are less certain. Treat these levels for cryptocurrency TA more like support and resistance zones than precise point estimates. 

 is a major TA indicator represented by a trio of bands plotted on the price chart. The middle band shows the asset’s 20-period moving average (MA), while the upper and lower bands represent two standard deviations above and below the MA, respectively.

In both the stock and crypto markets, Bollinger Bands can inform the trader of several things. For instance, band squeezes may indicate periods of reduced volatility. According to the indicator’s inventor, John Bollinger, these periods are often followed by increased volatility, so a squeeze may signal an upcoming increase in market turbulence. This use of Bollinger Bands is highly applicable in both the stock and crypto markets, as they both have volatility cycles.

Another common use of the bands in both markets is estimating the likelihood of trend continuation. When the price breaks out of the upper or lower band, it signals that the uptrend or downtrend, respectively, will continue. However, the crypto market is more prone to false breakouts, particularly during periods of low volatility and significant whale trading activity.

Large players — institutional investors in equities and whales in crypto — often employ volume-based strategies. These can be analyzed using TA tools like 

 (VWAP) and various volume profile indicators.

VWAP shows the average price ratio to the asset’s total trading volume. Volume profiles are a family of TA indicators that typically show trading volume distributions across price levels.

Large-cap cryptocurrencies and stocks often demonstrate similarities when analyzed using volume-based indicators. For example, a crypto like Bitcoin and a stock like Apple (AAPL) might consolidate near their VWAP. Also, a breakout above VWAP and an increasing volume of trade may signal bullish whale or institutional activity and the continuation of the uptrend.

Chart patterns (head and shoulders, triangles, etc.)

TA patterns are visual formations in price charts that reflect trader psychology and help predict potential future price movements based on historical behavior. Many patterns are used to indicate trend reversals or continuation, as are bilateral patterns, which suggest price movements in either direction. Below are the popular or common patterns:

Bear in mind that the same pattern may be interpreted as either a reversal/continuation or a bilateral signal depending on contextual factors like volume activity and volatility.

High and well-structured institutional activity in the stock market makes patterns more likely to be completed. In contrast, patterns may often fail in the crypto market due to the effects of news and online hype, whale manipulation, lower liquidity, trading bots exploiting patterns early and the lack of defined institutional activity. Therefore, crypto traders are advised to wait for patterns to be confirmed in the expected direction and use supporting signals like volume data and other TA indicators.

 is a TA indicator that shows the average price over a set number of past periods. Its most basic form, the 

(SMA), is based on unweighted averaging of the past periods.

Traders use several more advanced averages — the 

 (EMA) is probably the most common. EMA is based on a weighting procedure that gives more weight to more recent data periods.

In the stock market, the 50-day and 200-day MAs are reasonably reliable trend indicators. Institutional and retail investors respect these indicators, using them to estimate trends and plan their moves. However, the MAs in crypto are often much less reliable due to factors like higher volatility, lower liquidity, more emotion- and hype-driven retail traders, lower institutional activity and the prevalence of short-term high-risk strategy followers. As a result, prices in crypto might move violently well outside of MAs, sometimes multiple times in a single day.

MAs may still provide sound signals to crypto traders, but they must be used with specific adjustments. Treating MAs in crypto as general support and resistance zones is advisable, as is employing higher time frames (e.g., daily or weekly) for better accuracy.

 (RSI) is a primary TA indicator used to assess whether an asset is overbought or oversold.

The RSI value oscillates between 0 and 100 — below 30 indicates an oversold asset and above 70 signals excessive buyer activity.

RSI works reasonably well in the stock market, particularly for large-cap, high-volume stocks, but the applicability of this indicator in the crypto market is less certain.

It’s not unusual for a cryptocurrency RSI to stay in an overbought or oversold territory for extended periods. For instance, a hype-driven altcoin may remain above 70 RSI for a long time, getting pumped and promoted continuously, attracting more and more gigaprofit-chasing individual traders.

Therefore, if you plan to use RSI for crypto trading, be sure to verify its signals using other indicators and consider the broader context.

Using established TA methods may significantly enhance your crypto trading. However, not all methods are highly applicable to the cryptocurrency market.

While you may be able to use support and resistance levels, Bollinger Bands, and volume-based indicators successfully in crypto with certain adaptations, chart patterns, MAs and RSI require more substantial adjustments. You might even omit them from your active analysis toolbox. In any case, combining multiple indicators and using other contextual data to inform your trading moves is always advisable.

Technical analysis in stocks vs. crypto: Key similarities and differences

Compete for 2,500 USDT USDT Every Week

Technical analysis in stocks vs. crypto: Key similarities and differences

Grab Up to 5,000 USDT in Rewards

Compete for 2,500 USDT USDT Every Week

Grab Up to 5,000 USDT in Rewards