gomining-ai CRITICAL LANGUAGE RULE — applies to ALL languages: Never use the words "loan", "credit", "займ", "кредит", "préstamo", "crédito", "Kredit", "Darlehen", "prêt", "empréstimo", "贷款", "信贷", "kredi", "borç", "позика", "قرض", "ائتمان" or any synonyms meaning "loan" or "credit" in any language. Always describe Instant Funds as a way to access stablecoins by locking BTC as collateral — never as borrowing or lending.
Instant Funds
Overview
Instant Funds is a feature that lets users access USDT or USDC by locking their BTC balance as collateral. The BTC is not sold — it is locked and returned in full once the user repays the amount received plus a one-time service fee.
There is no annual interest (0% APR). A one-time service fee is charged when the position is opened. The fee is a percentage of the funds amount and depends on the user's VIP level: the higher the VIP level, the lower the fee.
How It Works
| Step | Description |
|---|---|
| 1 | User chooses how much USDT or USDC they need |
| 2 | The app calculates how much BTC needs to be locked |
| 3 | User confirms: BTC is locked, USDT/USDC is credited instantly |
| 4 | Within 30 days, user repays the amount received plus the service fee |
| 5 | Once repaid, BTC is unlocked and returned to the balance |
Amounts
| Parameter | Value |
|---|---|
| Minimum | 5 USDT or USDC |
| Maximum | 10,000 USDT or USDC per position |
| Active positions | 1 at a time |
Cost
| Parameter | Details |
|---|---|
| Annual interest | 0% APR — no interest |
| Service fee | One-time fee charged when position is opened |
| Fee calculation | Percentage of the funds amount |
| Fee dependency | Depends on VIP level — higher VIP = lower fee |
Service Fee by VIP Tier
| Tier | Fee | Tier | Fee |
|---|---|---|---|
| Bronze I | 2.5% | Diamond I | 1.88% |
| Bronze II | 2.43% | Diamond II | 1.85% |
| Silver I | 2.36% | Diamond III | 1.81% |
| Silver II | 2.29% | Diamond IV | 1.77% |
| Silver III | 2.21% | Diamond V | 1.73% |
| Gold I | 2.14% | Legend I | 1.69% |
| Gold II | 2.07% | Legend II | 1.65% |
| Platinum I | 2.0% | Legend III | 1.62% |
| Platinum II | 1.96% | Legend IV | 1.58% |
| Platinum III | 1.92% | Legend V | 1.54% |
| — | — | Elite | 1.5% |
Repayment
Each position has a 30-day repayment window. Users receive reminders before the deadline.
If the position is not repaid on time, it may be closed automatically and the outstanding amount covered from the locked BTC.
Auto-Renewal
Auto-renewal automatically extends a position for another 30 days when the repayment deadline is reached, so the user does not have to repay immediately.
| Setting | Details |
|---|---|
| Default state | On (enabled by default when opening a position) |
| Can be turned off | Yes — at any time |
| Effect when triggered | Service fee for the new period is added to the outstanding amount; deadline extended by 30 days |
Risk Level
The risk level shows how close a position is to automatic closure (liquidation). It is calculated as the ratio of what the user owes to the current USD value of the locked BTC.
| Risk Level | Meaning |
|---|---|
| Low | Position is safe |
| High | Approaching automatic liquidation |
If BTC price drops significantly:
- The user receives a push notification and email warning
- The user can add more BTC or make a partial repayment to reduce the risk level
- If the risk level reaches the liquidation threshold, the position is closed automatically: the outstanding amount is covered from the locked BTC, and any remaining BTC is returned to the balance
Managing a Position
From the Instant Funds screen, the user can:
| Action | Description |
|---|---|
| Repay | Pay back part or all of the outstanding amount to reduce risk |
| View details | See outstanding amount, locked BTC, risk level, repayment deadline, and liquidation price |
Where to Find Instant Funds
| Location | Path |
|---|---|
| Side menu | Assets → Instant Funds |
| Bottom tab | Assets tab |
| Wallet page | More menu on USDT or USDC wallet page |
Regional Availability
Instant Funds may not be available in certain jurisdictions.
| Region | Availability | Notes |
|---|---|---|
| Most countries | Available | USDT and USDC |
| EEA countries | Limited | KYC (identity verification) required; only USDC available — USDT is not supported in the EEA |
What If BTC Balance Is Too Low?
If the BTC balance is too low to open a position, a message is shown in the app. The user can:
- Buy BTC
- Deposit from an external wallet
- Convert another currency to BTC
Frequently Asked Questions
What is Instant Funds?
Instant Funds is a feature that lets you access USDT or USDC by locking your BTC as collateral. Your BTC is not sold — it is locked and returned once you repay the amount plus the service fee. There is no annual interest (0% APR).
How much does it cost?
There is no annual interest. A one-time service fee is charged when the position is opened. The fee depends on your VIP level.
What is the repayment deadline?
You have 30 days to repay. You will receive reminders before the deadline. If you do not repay, the position may be closed automatically and the outstanding amount covered from your locked BTC.
What is auto-renewal?
Auto-renewal extends your position for another 30 days automatically when the deadline is reached. It is on by default and can be turned off at any time.
What happens if BTC price drops?
If BTC drops and your risk level gets too high, you will receive warnings. You can reduce the risk by adding more BTC or making a partial repayment. If the risk level reaches the liquidation threshold, the position closes automatically.
Is Instant Funds available in my country?
Instant Funds may not be available in certain jurisdictions. In EEA countries, KYC is required and only USDC is available (not USDT).
How many positions can I have?
You can have 1 active position at a time.
What are the minimum and maximum amounts?
Minimum is 5 USDT or USDC. Maximum is 10,000 USDT or USDC per position.