## General conditions

**To earn interest, you need to sign a Savings agreement in your account;****The minimum deposit amount to start earning the interest is 100 USD (in crypto equivalent)****The maximum amount is limited by your current Dynamic limit****Maximum Yield limit is 300K USD in cryptocurrencies****The increased Dynamic limit is valid until Payout, after Payout it will be reset to the base value.****Settlement period - 7 days**

## How is the payout calculated?

Every 4 hours, we count the total balance of your wallets. After 1 week, we take an average amount that you kept on every wallet for the week and calculate an interest payout for each cryptocurrency.

**An example:**

You hold 5000 USDT in your wallet for a whole week. After this week you will get 5000 * 0.123 / 365 * 7 = 11.80 USDT interest;

You hold 5000 USDT but moved 1000 USDT out of your wallet for 1 day. After this week you will get a sum of 5000 * 0.123 / 365 * 6 = 10.1 USDT (for 5K USDT for full 6 days) and 4000 * 0.123 / 365 * 1 = 1.3 USDT (for 4K USDT for 1 day).

## What is "Dynamic limit"?

Dynamic limit is the** maximum amount by default** you can earn interest on. For the most of the users it is 25K, but it can be different.

**An example:**

You have 30K USD worth crypto in your wallet (BTC, USDT, etc.) and your Dynamic limit is 25K. If you haven't done any actions on the platform for the period. In that case, the interest will be calculated on the amount within the limit of 25K.

**Simple rules of "Dynamic limits":**

You earn interest on a maximum amount of

**your Dynamic limit**worth in your portfolio;You earn interest proportionally on all your wallets with % APR;

Wallets without % APR will not affect your portfolio.

## How can I increase the savings limit?

The limit depends on your activity on the platform. In the dynamic limit widget, after selecting the amount by which you want to increase the limit, you can see the individual conditions for the limit increase.

These actions are provided as an example. Almost all the actions on the platform will increase your limit:

**How can I increase the savings limit using Multi HODL?**In order to increase the limit using Multi HODL, you need to open or close any deal. Your limit will increase by the collateral multiplied by the leverage when opening a trade and closing a trade. When closing a deal with a profit, your limit will additionally increase by the amount of profit on the deal.**How can I increase the savings limit using Loans?**In order to increase the limit using Loans, borrow any amount from us on the platform. At the time of opening, the limit will increase by the cost of the collateral in USD. If the cost of the collateral decreases, at the time of closing the transaction, the limit will increase by the value of the collateral in USD at the time of opening. If it increases, then by the cost of the collateral at the time of closing.**How can I increase the savings limit using Turbocharge?**In order to increase the limit using TurboCharge, simply increase your position in using this function. At the time of opening a trade, the limit will increase by the total value of the position in USD. If the value of the position decreases, then at the time of closing the transaction, the limit will increase by the value of the position in USD at the time of opening. If it increases, then by the value of the position at the time of closing.**How can I increase the savings limit using Convert (Exchange)?**In order to increase the limit using Convert, simply exchange your cryptocurrency. The limit will increase by the value of the Exchange Amount in USD.

## How can I find out exactly what actions I need to take in order to increase the limit by a certain amount?

We added a calculator that can help you to understand exactly how your limit will change depending on your actions on the platform. Depending on your activity, the same action may have a different effect on your savings limit. Select the amount by which you would like to increase your limit.

After pressing the **Add limit**button, you will see a window with (**as an example**) the actions that you can do to increase the limit.

**General rules:**

**Multi HODL**will take into account any trade with any multiplier. You should focus on the total volume of the position. An example. A $100 collateral with a multiplier of 5 would result in a $500 total volume of the position. Your limit will increase by $500 within a minute after opening a position, and by $500 at the time of closing if the transaction is without profit. If the transaction closes with profit - the amount of profit will be additionally added to the closing increase of $500.**Classic Loan**takes into account the market value of the collateral at the time of opening. For example. You use as collateral BTC that is worth $1K. When opening and closing a loan, the market value of the collateral in USD will be added to the savings limit.**Turbocharge**, at the time of opening a loan, the limit will increase by the total market value of the loan collateral (chain of loans) in USD. If the value decreases, then at the time of closing the loan, the limit will increase by the opening market value of the loan collateral in USD. If it increases, then by the value of the loan collateral at the time of closing.**Convert**takes into account the volume of the transfer at the time of the transaction. If you exchanged 0.3 ETH for 0.01 BTC, where 0.3 ETH is worth $1000 at the time of the exchange, then you will receive plus $1000 to the limit.

## Will I keep earning interest on funds used in Multi HODL?

We pay interest on any funds you use in Multi HODL as collateral. Even if you invest your whole balance in Multi HODL. The same conditions for APR and payouts apply for all funds you use in Multi HODL.

If you close your Multi HODL position with profit or loss, the new amount will take effect on your interest only after you close your Multi HODL and funds are successfully returned to your wallet.

**Please be advised:**

**The min deposit amount to start earning the interest is 100 USD (in crypto equivalent);****If you move funds out of your wallet, you will not get any interest for this amount;****Payouts are calculated and paid in the wallet currency;****The total "earned" amount in USD or EUR at the top of your wallet is the representative value only and calculated based on current rates;****Savings are not available for Swiss users;****Promo rates for GMT will be active until May 27, 2022.**