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 then spend with 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 tab of your dashboard.

Understanding the Credit Line Overview

The Overview gives you a complete snapshot of your current credit status and usage.

In this section, you'll find:

• Available Amount: the portion of your credit line that's available to spend.
• Total Limit: your maximum borrowing limit, based on your available collateral and LTV.
• Utilized Limit: the amount currently in use.
• Credit Composition: a breakdown of how your credit line is made up.

These details might be hidden by default — click Show Details to view them more in-depth.

Card Spend

The Card Spend section shows what's available to spend, your current balance, and how much you've utilized.

It also gives you a breakdown of your spend by card, for this cycle (this month).

The last item, Statement, shows the current balance of this cycle's statement.

Locking Collateral

To lock new collateral, click Lock Collateral at the top of the page and choose the amount you wish to lock.

You'll then get a quote, which shows you the fees, LTV ratio, the credit you'll receive, the amount you're locking, and what your new credit limit will look like.

If you're happy with the quote, you can confirm the lock and your collateral will be automatically locked.

Only tokens shown as supported can be locked successfully.

How Collateral Works

• You lock cryptocurrencies as collateral to instantly increase your credit limit.
• Your locked assets remain yours and can be unlocked when not needed.
• Your credit limit is calculated based on the LTV ratio, which is 80–100%.
• You can use your credit for card transactions.

Viewing Collateral Positions

Your Collateral Positions section displays every crypto asset you've locked as collateral, along with its LTV ratio and current value.

From here, you can:

• View the details of any locked position.
• Unlock collateral whenever you want, if it's no longer needed to support your line of credit.

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