Institutional 0% interest loan plan upgrade: easy to unlock 200,000-10,000,000 USDT interest-free quota

1. New Customer Exclusive: Unified Account Lending

Applicable to clients with a monthly trading volume of over $20 million, providing proof of trading volume for the past 30 days, to obtain a lending limit when joining Gate.io.

Lending Rules: Within 30 days after obtaining the quota, if the cumulative trading volume reaches the standard, you can enjoy a 90-day interest-free benefit. The interest-free loan limit and trading volume requirements are as follows:

| USDT interest-free limit | 30-day cumulative trading volume $ | | :--- | :--- | | 200,000 | >15,000,000 | | 300,000 | >25,000,000 | | 400,000 | >50,000,000 |

Maturity Assessment: If the trading volume does not meet the standard, interest must be paid at the agreed rate and the corresponding principal and interest must be returned within 3 days; if the standard is met, the interest-free period will be extended by 60 days, totaling 90 days interest-free.

2. Exclusive for Old Customers

1. Micro Lending (Unified Account) Applicable customers: Old customers with an average monthly trading volume of $30 million - $100 million in the last 90 days can apply for a maximum loan limit of 400,000 USDT.

Lending Rules: After obtaining the quota, an assessment will be conducted every 30 days. If the trading volume increases or the spot order market share or contract order market share meets the standards, you can enjoy interest-free treatment and continue borrowing.

| USDT Interest-Free Quota | Assessment Method 1: 30-Day Trading Volume Growth Rate | | Assessment Method 2: Spot Market Order Trading Volume Market Share | | Assessment Method 3: Contract Market Order Trading Volume Market Share | | :--- | :--- | :--- |:--- | :--- | :--- | | 200,000 | 30% | or | 0.1% | or | 0.04% | | 300,000 | 40% | or | 0.18% | or | 0.08% | | 400,000 | 50% | or | 0.35% | or | 0.15% |

Assessment every 30 days: If the assessment does not meet the standards, interest must be paid at the agreed rate and the corresponding principal and interest must be repaid within 3 days; if it meets the standards, the past borrowing period enjoys interest exemption, continuous borrowing is allowed, and a higher limit can be applied for.

• Trading volume growth rate calculation: 30-day trading volume / ( past 90-day average trading volume x 30) - 1
• Market share calculation: 30-day buy order trading volume / 30-day total buy order trading volume on Gate.io
• Order fulfillment rate requirement: Among the above three assessment methods, the customer's order fulfillment trading volume must account for more than 60% of their total trading volume.

2. Large Amount Lending (OTC/Unified Account) Applicable Customers: Existing customers who have completed KYB certification and have a trading volume of over $100 million in the past 30 days can apply for a maximum interest-free limit of 10 million USDT based on their trading volume. Two lending methods are available: unified account lending and OTC lending.

Lending Rules: In the last 30 days, if the trading volume meets the order & fill requirements for contracts or spot listed in the following table, you can apply for the corresponding interest-free loan limit.

| Loan Limit USDT | Perpetual Contract Order Trading Volume $ | Perpetual Contract Taker Trading Volume $ | | Spot Order Trading Volume $ | Spot Taker Trading Volume $ | | :--- | :--- | :--- | :--- | :--- | :--- | | 1,000,000 | 200,000,000 | 55,000,000 | or | 80,000,000 | 25,000,000 | | 2,000,000 | 400,000,000 | 120,000,000 | or | 145,000,000 | 60,000,000 | | 3,000,000 | 600,000,000 | 200,000,000 | or | 240,000,000 | 115,000,000 | | 4,000,000 | 950,000,000 | 320,000,000 | or | 330,000,000 | 155,000,000 | | 5,000,000 | 1,350,000,000 | 440,000,000 | or | 400,000,000 | 195,000,000 |

Total Limit ：

• Spot and contracts are calculated separately, the total loan limit for spot + contracts is 10 million USDT.

Assessment Period:

• Each natural month is an assessment period.
• Gate.io will conduct a trading volume audit on the first day of each month.

Assessment Criteria: Must meet the monthly trading volume requirements for the corresponding lending tier's contract "taker and maker" or spot "taker and maker".

Non-compliance Handling:

• If the trading volume requirement is not met, interest must be paid at the agreed rate, and the corresponding principal and interest must be returned within 3 days after the notification of the review results (subject to the actual review results notification email).
• Failure to repay on time will trigger the automatic repayment process; if the account funds are insufficient, forced liquidation may be initiated.

Note:

1. Unified account loan funds can only be used for spot margin trading; OTC lending funds are not restricted to the market.
2. The trading volume of all zero-fee trading pairs is not included in the statistics.
3. New customers cannot participate in the GMMC event at the same time.
4. All loans under this plan require account margin, and the margin coefficient and risk control mechanism follow the unified account. For details, please consult your account manager or visit https://www.gate.io/zh/loan-info.
5. The old Institution Zero Interest Loan Program event has ended.
6. For other details, please contact your account manager at mm@Gate.io.

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