Borrowing is cheap in some months and expensive in others, when everyone wants to borrow at once. Rate-Aware Leverage buys BTC with your own USDT plus a 100 USDT loan while BTC trades above its 50-day average and borrowing USDT costs less than 10% a year. If the rate climbs to the ceiling or the price drops below the average, it sells, and the sales pay the loan back.
What it costs
This strategy is open on every plan. What it trades is fixed by its design, so every plan runs the same scope; Standard is free.
Recommended minimum vault: Elite · See all store pricing →
How it works
On a cross margin account the strategy buys the asset you pick, with your own USDT and a USDT loan, up to the position size. It holds while the asset's price across exchanges stands above the daily average you choose and the yearly rate for borrowing USDT is below your ceiling. When the rate reaches the ceiling or the price drops below the average, it sells and the loan target goes to zero, so the sales pay the loan back. Where the exchange does not report the borrow rate, it neither buys nor borrows. At your margin level floor it cancels its buys, sells at the best bid and pays the loan back.
Key Features
Strategy profile
A snapshot of how this strategy behaves and who it suits, not a forecast of returns.
These are our assessments of strategy character, not user-specific performance figures.
Cheap borrowing does not make a trade good: a falling price still loses money, and the loan makes the loss larger until the price crosses below the average. A price hovering around the average can sell and buy back several times, each time with fees. Not every exchange reports the borrow rate; where it cannot be read, the strategy stays out. Most exchanges quote the rate per day or per hour, and it is counted per year here, so check the conversion before you set the ceiling.
All figures on this page are simulated or historical backtest results, shown for information and education only. They are not real customer results, they do not include your specific fees and slippage, and past performance does not guarantee future returns. Your capital is at risk.
Frequently Asked Questions
Quick glossary
Definitions for the trading terms used on this page.
- Backtest
- A simulation of how a strategy would have performed on historical price data. Past results never guarantee future returns - markets change.
- Slippage
- The difference between the price you expect and the price you actually get when an order fills. Worse on illiquid pairs and during fast markets.
- Spread
- The gap between the best buy price (bid) and the best sell price (ask). Tight spreads = liquid market, wider spreads = more cost per round trip.
- Stop-loss
- An automatic exit order that closes a losing position when price hits a chosen threshold. Caps how much one bad trade can hurt you.
- Take-profit
- An automatic exit order that closes a winning position once price reaches a chosen target. Locks in gains without relying on you to watch the chart.
- Volatility
- How sharply price moves. High volatility = bigger swings in both directions, which means more opportunity but also more drawdown risk.
Want leverage only when it is cheap?
Every new Rate-Aware Leverage starts in paper trading: its orders are kept on paper and listed on the strategy page, and a paper run stops by itself after an hour.
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