• Individuals aged 20 years or older

• Must own digital assets that can be used as collateral (e.g., BTC, ETH, etc.)

• Successfully complete the KYC (identity verification) process as required

• Accept the loan terms and understand the associated risks

• A crypto-backed loan allows you to use your digital assets as collateral to borrow cash in Thai Baht — without the need to sell your coins.

• A photo or a copy of your national ID card

• A photo or a copy of your bank account book (used for loan disbursement)

• Sign up via the website: https://app.liberix.com/

• Enter your email and create a password

• Fill in your personal information and complete the identity verification (KYC)

Only your Thai ID card and basic personal information are required during the application process

Any Thai citizen aged 20 or older holding cryptocurrency in their wallet can apply

• Click the “Please continue with the loan” button
• Enter the desired loan amount and select the collateral asset you wish to deposit
• Carefully review the loan details and terms before submitting your request
• The system will automatically generate the loan agreement — please review the contract thoroughly
• An OTP code will be sent to your email for contract confirmation
• Enter the OTP code to confirm and complete your loan application

You'll be notified if your collateral's value significantly decreases and reaches the margin level. At this point, you can top up your collateral to restore a healthy loan-to-value (LTV) ratio. If the value continues to drop and reaches the liquidation level, we'll carefully liquidate only what's needed to cover the loan, interest, and applicable fees. Any remaining balance will be promptly returned to your wallet. We'll guide you clearly throughout the entire process.

• LTV (Loan-to-Value) refers to the proportion of the loan amount you can borrow in relation to the value of your collateral.

• For example, an LTV of 50% means you can borrow up to 50% of the collateral’s value.

You'll be notified if your collateral's value significantly decreases and reaches the margin level. At this point, you can top up your collateral to restore a healthy loan-to-value (LTV) ratio. If the value continues to drop and reaches the liquidation level, we'll carefully liquidate only what's needed to cover the loan, interest, and applicable fees. Any remaining balance will be promptly returned to your wallet. We'll guide you clearly throughout the entire process.

Your cryptocurrency collateral is securely stored with our trusted custodian partner, Kryptodian, licensed in Hong Kong. Kryptodian uses advanced Multi-Party Computation (MPC) technology, providing an exceptional security level, surpassing even traditional cold wallets.

Your crypto assets are securely kept with our licensed custodian partner. You can borrow funds up to 50% of your collateral's market value at the time of your loan application. Once the loan matures and repayment is complete, your crypto assets are returned to you promptly and securely.

The loan repayment is made in a single lump sum on the contract maturity date. The borrower is required to repay the following:

• Principal amount

• Interest

• Late payment interest (in case of delayed repayment)

We'll liquidate only the necessary portion of your crypto assets to cover the loan. After deducting the loan amount, interest, and appliable fees, any remaining collateral will be returned to your wallet. We'll keep you informed and support you through the process

1. Once the loan term is completed and the user has fully repaid the loan (subject to verification by our team), the system will automatically unlock the collateral assets.
2. Users can withdraw their assets via the ‘Wallet’ page by following these steps:

• Click the ‘Withdraw’ button

• Select the type of asset

• Enter the wallet address and the amount to withdraw

• Confirm the withdrawal using Email OTP and 2FA authentication

• Monday – Friday: 10:00 AM – 10:00 PM
• Saturday, Sunday & Public Holidays: 9:00 AM – 6:00 PM

• Users can contact us via our official LINE OA: @Liberix