The value of digital assets can change rapidly and significantly. Borrowers should fully study and understand the terms, risks, and potential outcomes before making a decision. Liberix does not guarantee the future return or value of digital assets.

To apply for a loan with Liberix, you must have supported digital assets to use as collateral. Other types of assets cannot be used as collateral.

Selling digital assets is a permanent transaction. In contrast, obtaining a loan using assets as collateral means the borrower remains the owner of those assets throughout the loan term. However, borrowers should be aware that the value of digital assets is highly volatile, which may affect the collateral status during the loan period.

Liberix is a lending service that enables digital asset holders to use their existing assets as collateral to obtain cash loans in Thai Baht without having to sell those assets. It is ideal for those who need short-term liquidity while still wanting to hold their digital assets.

Currently supported assets include:

• ADA (Network: ADA)
• BNB (Network: BSC)
• BTC (Network: BTC)
• DOT (Network: DOT)
• ETH (Network: ERC20 & Network: OP)
• POL (Network: MATIC)
• SOL (Network: SOL)
• TRX (Network: TRX)
• DOGE (Network: DOGE)
• SUI (Network: SUI)
• XRP (Network: XRP)
• XAUT (Network: ERC20)
• KUB (Network: KUB Mainnet)
• USDC* (Network: ETH)
• USDT* (Network: ARB / BSC / ETH / TON)

*USDC and USDT are available for KYC Level 3 clients only. The asset list may change — please verify the latest information in the system before proceeding.

Liberix's main loan conditions are as follows:

• Fixed interest rate of 1.25% per month (15% per year, within the legally permitted rate)
• Loan term of 1–12 months
• Minimum loan amount of 500 THB (may vary by asset type and selected term)
• Loans up to 500,000 THB can be processed immediately through the system
• Loans of 500,001–2,000,000 THB require additional documentation for a Tier Upgrade
• Loans exceeding 2,000,000 THB are subject to the company's discretion and handled on a case-by-case basis

Applicants must meet all of the following requirements:

• Be at least 20 years of age
• Hold supported digital assets for use as collateral, such as BTC, ETH, BNB, or other assets on the approved list
• Complete the identity verification (KYC) process as required by the company
• Acknowledge and accept all loan terms and associated risks

• A clear, current photo of your National ID card (no photocopies or screenshots)
• A selfie holding your National ID card, with both your face and card information clearly visible
• A photo of your bank book or online account showing your name and account number clearly (no photocopies or screenshots)

Generally, the KYC process takes approximately 24–48 hours from the date all documents are submitted. If approval has not been received after 48 hours, please check the registered email, as the company may have sent a request for clarification or additional documentation.

1. Go to the registration page at https://app.liberix.com
2. Enter your email and set a password for your Liberix account
3. Read and confirm acceptance of the Terms of Service
4. Enter required personal information and complete the KYC process as instructed

In addition to the 3 basic documents (passport / selfie with passport / bank account), 2 additional documents from the following 5 categories are required:

• Category 1: Work Permit
• Category 2: Proof of residence in Thailand
• Category 3: Non-Immigrant Visa or Smart VISA
• Category 4: Document issued by a Thai government agency or the applicant's home country government
• Category 5: Letter from an educational institution (for students only, must clearly state full name)

The system processes fund transfers in 3 batches per day: at 11:00, 16:00, and 21:00. Transfers are generally completed within 1 hour after the cut-off time, though actual timing may vary depending on transaction volume.

• Weekdays (Mon–Fri): If processed before 21:00, funds will be received the same day
• Weekends and public holidays: If processed before 17:00, funds will be received by 18:00 the same day

The system will present two options:

(1) Use the deposited amount to calculate a new loan amount based on what was received

(2) Top up the remaining collateral to match the original contract amount

If neither option is chosen within 1 hour, the loan request will be cancelled. The deposited collateral will remain in Liberix's wallet until you withdraw it back to your own wallet.

1. Log in to your Liberix account and click "Request Loan"
2. Select the asset to use as collateral, specify the loan term, LTV ratio, and desired loan amount
3. Carefully review the loan contract details, including interest rate, collateral value, LTV ratio, etc.
4. The system automatically generates an electronic loan agreement — please read it in full before proceeding
5. Confirm by signing via OTP sent to your registered email
6. Deposit the collateral assets to the wallet address or QR code shown by the system

The appropriate LTV depends on your individual risk assessment. A higher LTV (e.g., 70%) provides a larger loan amount with less collateral but increases the risk of liquidation when the asset price drops. A lower LTV (e.g., 30%) requires more collateral but provides a greater buffer from the liquidation point. Borrowers should assess their own risk tolerance before selecting an LTV.

LTV (Loan-to-Value) is the ratio between the requested loan amount and the current market value of the collateral assets. Liberix allows you to choose an LTV between 30% and 70%. For example, if you select LTV 70% and have collateral worth 100,000 THB, the maximum loan amount is 70,000 THB.

The system will sell only the portion of collateral necessary to repay the outstanding loan balance, and the contract will be considered fully closed. The borrower will receive any prepaid interest and the remaining surplus after deducting the outstanding debt (if any), transferred to the registered bank account within 1 business day. The company will send a confirmation email with full calculation details for review.

The liquidation level depends on the LTV selected. The system reserves a 5% buffer for slippage — the price discrepancy that may occur when placing sell orders in a highly volatile market — meaning the actual liquidation point is always approximately 5% below the selected LTV. For example:

• LTV 70%: Liquidation may occur when the asset price drops approximately 25% from the contract date value
• LTV 60%: Liquidation may occur when the asset price drops approximately 35% from the contract date value

The risk management system operates in real-time and uses the actual market price at the time of liquidation, without distinguishing whether the price decline is temporary or ongoing.

The system will send email notifications comprising 3 risk-level alerts:

• Low risk alert
• Medium risk alert
• High risk alert (this is the final alert before forced collateral liquidation)

When the loan health drops to a defined risk level, borrowers can Top-Up their collateral to reduce the risk of liquidation or forced collateral sale. Please monitor your loan status in the system regularly and do not wait until you receive an alert, as asset prices are highly volatile and may prevent borrowers from topping up their collateral in time.

Liberix recommends maintaining your loan health at approximately 75% to provide sufficient buffer from the liquidation point. However, this level does not guarantee against liquidation, as digital assets are highly volatile and prices can change rapidly. Liquidation will proceed according to the conditions and risk levels defined by the company, which borrowers can review during the loan application process. The appropriate Top-Up amount depends on your individual risk assessment; the system will display calculated figures to assist your decision.

1. Go to the loan page you wish to Top-Up and click "Add Collateral"
2. The system displays the current loan health status and a calculation table to assist your decision
3. Specify the amount of assets to add, then confirm the conditions
4. Deposit assets using the QR code shown by the system. Generally, the system will confirm the status within 1–3 hours, which may be longer during periods of high transaction volume

1. Go to the Loan Card of the loan you wish to renew
2. Click "Renew" and select the desired extension period
3. The system will display a summary, such as the additional period and extra interest to be paid
4. Transfer funds to the account shown by the system and upload proof of payment
5. Once payment is verified, the system will create a new contract to replace the existing one

Extensions of 1–3 months at a time are available, with no limit on the number of extensions per contract. Prepaid interest for the extended period must be paid, and the system will issue a new contract to replace the existing one.

Please note that a loan extension must be requested before the current contract's due date. The new contract start date will be counted from the end date of the existing contract.

The system will charge daily default interest at the rate of 1.25% per month as specified in the loan agreement, starting from the day after the due date for a maximum of 30 days. If payment is not made after 30 days, the company will automatically sell the collateral assets to repay the outstanding debt. Any remaining assets after debt repayment (if any) will be unlocked and available for withdrawal within 7 business days.

Yes, early repayment is possible. The early repayment button will appear in the system after 14 days from the contract date. However, since interest is deducted upfront, no interest refund will be given for early repayment. Early repayment may therefore result in a higher effective monthly interest cost than anticipated.

1. Go to "Loan Details" for the contract you wish to repay
2. Click "Make Payment" and verify the repayment amount
3. Transfer funds to the account shown by the system and upload proof of payment
4. The system verifies the amount and sends a confirmation email, generally within 1–3 hours
5. Once verification is successful, the system will unlock the collateral assets, which can then be withdrawn via the Wallet menu

Repayment is a "single lump-sum payment" on the contract end date. There are no monthly installments. The system will send a reminder email 1 week before the due date.

1. Go to the Wallet page in your Liberix account and click "Withdraw"
2. Select the asset type you wish to withdraw from the list
3. Enter the recipient wallet address
4. Enter the amount to withdraw (must not be below the minimum for that asset)
5. Confirm the transaction via OTP sent to your email and Two-Factor Authentication (2FA)

Liberix operates as a lending service provider, governed by the Civil and Commercial Code on lending, with a maximum interest rate of no more than 15% per year as required by law. The company does not operate as a digital asset exchange or brokerage and therefore does not fall within the scope requiring a license from the SEC. The company will update its practices to comply with any future regulatory changes. Additionally, as part of the KYC process, the company verifies applicants with the Anti-Money Laundering Office (AMLO) prior to every approval.

Liberix uses a licensed digital asset custodian in Hong Kong to store user collateral under high security standards. The company does not have access to user assets except as specified in the contract. Users should thoroughly review the contract terms.

You can contact customer service during service hours via Line ID: @liberix

• Monday–Friday: 10:00–22:00
• Saturday–Sunday and public holidays: 09:00–18:00