The Limited Credit Line allows you to access extra funds without selling your crypto. By locking your assets as collateral, you can borrow against their value and allocate those funds to credit cards

When you lock a supported crypto asset, Limited calculates your loan-to-value ratio (LTV) to decide how much credit you can receive. The higher your collateral value, the higher your available credit line.

You can view and manage everything about your credit line directly from the Credit Line section in your dashboard.

Understanding the Credit Line Overview

The Overview gives you a complete snapshot of your current credit status and usage. It helps you see how much of your line of credit is in use, how much is still available, and how your credit is composed.

In this section, you’ll find:

• Utilization Percentage: shows how much of your total credit limit you’re currently using.
• Total Limit: your maximum borrowing limit, based on your available collateral and LTV.
• Available Funds: the portion of your credit line that’s available to use.
• Utilized Funds: the amount currently in use.
• Credit Composition: a visual breakdown of your credit line, showing how much is secured (backed by collateral) and how much is unsecured.

From this same screen, you can lock or unlock collateral at any time, depending on whether you want to increase or reduce your available credit.

Managing Allocations

The Allocations section shows how your credit is distributed across your cards and how much is still available to assign.

At the top, you’ll see your Card Credit Allocation, which includes:

• Total Allocated: the amount of credit already assigned to your cards, shown in both currency and percentage
• Available to Allocate: the remaining credit you can assign to cards, also shown in currency and percentage

This helps you quickly understand how much credit is in use and how much is still ready to assign.

Below that, you’ll find the Allocation Usage, displayed as a percentage, giving you a clear visual of how your credit is being utilized.

Further down, the Card Allocations section lists all your cards. From here, you can:

• View how much credit is assigned to each card
• Increase or decrease card limits directly

This allows you to manage and adjust your credit distribution across cards in real time, based on your spending needs.

Viewing Collateral Positions

Your Collateral Positions section displays every crypto asset you’ve locked as collateral.

From here, you can:

• Lock new collateral to increase your available credit.
• Unlock collateral whenever you want, free of charge, if it’s no longer needed to support your line of credit.

Before locking new assets, make sure they’re eligible tokens. For example, USDC on Solana is supported, but some tokens on other networks may not be. Always check the eligibility list before adding collateral to avoid errors or unsupported deposits.

Only tokens shown as supported can be locked successfully.

Your Limited Credit Line gives you flexibility and control. By managing your collateral, understanding your utilization, and keeping an eye on your allocations, you can make the most of your available credit.