Crypto Borrowers Face a Crucial Decision
Borrowing in crypto isn’t just about access to liquidity anymore,it’s about rate strategy.
Here’s the key choice borrowers are weighing
Fixed APR
• Predictable repayments
• Protection from rate spikes
• But often locks in higher rates
Variable APR
• Lower starting cost
• Flexible in calm markets
• But rates can rise fast as demand & macro conditions shift
This decision directly impacts:
• Cost of capital
• Risk exposure
• Long-term profitability
As interest rates, liquidity, and lending demand evolve, APR structure becomes a macro bet.
Choose based on:
• Your risk tolerance
• Time horizon
• Outlook on future rates
In volatile markets, strategy matters as much as direction.
