🚨 Crypto Borrowers at a Crossroads: Fixed vs Variable APRs

Crypto borrowers are facing a crucial decision when taking loans — fixed or variable APR — and each comes with its own trade-offs:

🔒 Fixed APRs

• Stable, predictable repayments

• Protection from rate hikes

• May lock in higher costs upfront

📈 Variable APRs

• Lower starting rates

• Flexible in calm markets

• Risk of rising costs if interest rates climb

As macro conditions shift and lending demand evolves, this choice directly affects borrowing costs and risk exposure. The right option depends on a borrower’s strategy, risk appetite, and outlook on future rate movements.

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