We are excited to announce that starting December 22, 2025, from 18:00 pm (UTC+8) , we'll be updating the way we display your loan's loan-to-value ratio (LTV), to reflect discount rates for your collateral. This is a visual-only change that affects users who subscribe to our flexible loan products and is intended to provide more clarity and consistency to users.
We will also be introducing a new risk metric called the health factor.
Checklist
- We will also be introducing a new risk metric called the health factor.
- Here’s what you need to know:
- Updates to LTV presentation formula
- The primary change to the way LTV is presented to you is to now factor in adjusted collateral value, which takes collateral discount rates into account.
- Previous formula
- New formula
Notes
Here’s what you need to know:
Updates to LTV presentation formula
The primary change to the way LTV is presented to you is to now factor in adjusted collateral value, which takes collateral discount rates into account.
Discount rates represent a multiplier (with a maximum of 1) we apply to your collateral to account for the volatility and liquidity of the tokens you set as collateral. Highly liquid and stable tokens will have a rate at or closer to 1. You can view the current discount rates for various tiers of users here.
Details follow the official OKX help article; this page is a learning checklist, not an official mirror.
