Spot margin trading for your exchange, with the risk controls already built
Users borrow against their collateral to buy more or to sell short on the spot market. You decide which coins can be borrowed, the daily interest, the leverage and the levels at which accounts get a warning or are liquidated.
What spot margin trading adds to an exchange
On a normal spot trade, a user can only spend what they hold. With margin, they move funds into a margin account, borrow more of a coin against it, and trade the larger amount on the same spot markets everyone else uses.
Borrowing USDT to buy more BTC is a leveraged long. Borrowing BTC and selling it is a short: if the price falls, the user buys it back cheaper and repays the loan. Either way the loan carries interest until it is repaid.
For you, margin brings more volume on your existing markets and interest income on top of trading fees. It is a different product from futures: users hold real coins, there is no funding rate, and orders go into the normal spot order book.
Transfer collateral
Move coins from the spot wallet into a cross or isolated margin account.
Borrow
Borrow up to the maximum the account allows, by hand or automatically when placing an order.
Trade
Place market or limit orders on the spot markets, from the margin account.
Repay
Repay interest first, then the loan. Auto-repay uses the proceeds of a sell order.
Transfer out
Move funds back to spot, as long as the account stays above the safe level.
Cross margin and isolated margin accounts
Cross margin
One account per user that holds several coins. Everything in it counts as collateral for every loan in it, so a profitable coin helps cover a losing one.
- Leverage up to the limit you set (3x by default)
- Borrow any coin you have enabled for borrowing
- Liquidation applies to the whole account
Isolated margin
A separate account for each trading pair, holding only that pair's two coins. Risk stays inside the pair: if it is liquidated, the user's other accounts are not touched.
- Leverage set per market (5x by default)
- Borrow the base or the quote coin of that pair
- Turn isolated or cross on or off for each market
Margin on the normal trading screen
Users switch between Spot, Cross and Isolated with a selector above the order form. In margin mode the form shows the margin account's balances, and two options appear:
- Auto-borrow borrows what is missing when the order is placed, so the user does not have to borrow in a separate step.
- Auto-repay uses what the order brings in to pay back the loan as soon as it fills.
Margin orders go into the same order book as spot orders and match the same way. They show in their own filter in open orders and history, so spot and margin activity never get mixed up.
The margin page lists every account with its margin level, assets, debt and interest, and has the transfer, borrow and repay buttons, plus a history of borrows, repayments, interest and liquidations.
Interest by the hour, set per coin
You set a daily interest rate for every coin that can be borrowed. Interest is charged every hour at one twenty-fourth of that rate, starting with the first hour when the loan is taken. Unpaid interest builds up on the account and is shown next to the loan.
Repayments pay interest first and the loan after that. The ledger stores both parts separately, so your reports show exactly how much interest the exchange has earned.
Daily rate per coin
Different rates for BTC, ETH, stablecoins or any other coin.
Hourly charging
Users pay for the hours they actually borrow.
Borrow caps
A maximum per user and a total maximum per coin across the exchange.
Full ledger
Every borrow, repayment and interest charge, with its USD value.
Margin level, margin calls and liquidation
Every account has a margin level: the value of its assets divided by its debt plus interest. The platform checks it continuously and acts at the thresholds you choose.
| Margin level | What happens | Default |
|---|---|---|
| Above the transfer-out level | Users can move funds back to spot, as long as the level stays above this line afterwards | 2.0 |
| Margin call level | The user gets a warning notification to add collateral or repay, at most every few hours | 1.3 |
| Liquidation level, cross | The cross account is liquidated | 1.1 |
| Liquidation level, isolated | That isolated account is liquidated | 1.05 |
What liquidation does
The platform cancels the account's open orders, converts assets to repay the debt and interest at current USD prices, and charges a liquidation fee as a percentage of the debt (2% by default). Whatever is left goes back to the user. If the account cannot cover its debt, the exchange absorbs the shortfall and the account is cleared.
Why the levels matter
Lower liquidation levels give users more room but leave the exchange less buffer on fast moves. Change them in the admin panel at any time; they apply on the next check.
Run margin from the admin panel
- Turn margin trading on or off for the whole exchange
- Require verified identity (KYC) before a user can borrow
- Choose which coins can be borrowed and their daily rates
- Set borrow caps per user and per coin
- Enable cross, isolated or both for each market, with its leverage
- Set the call, liquidation and transfer-out levels and the liquidation fee
- See open loans, outstanding interest and every liquidation
One switch
Margin is off until you turn it on, so you can launch spot first.
KYC gate
Only verified users can borrow, if you want.
Per-coin rules
Borrowable coins, daily rates and caps.
Risk levels
Call, liquidation and transfer-out levels plus the fee.
Margin trading platform questions
What is the difference between margin trading and futures?
Margin trading uses borrowed coins on the normal spot markets, and users pay interest on the loan. Futures are contracts with leverage that never hold the actual coin and use funding fees instead of interest. CryptoTech supports both.
How much leverage can users take?
You set it. By default cross accounts allow up to 3x and isolated accounts 5x, and isolated leverage can differ per market.
Can users short on margin?
Yes. They borrow the base coin, sell it, and buy it back later to repay. Auto-borrow makes this one order.
How is interest charged?
You set a daily rate per coin. Interest is charged hourly at one twenty-fourth of that rate and must be paid before the loan itself.
What happens if a liquidation does not cover the debt?
The exchange absorbs the shortfall and clears the account. That is why the liquidation levels and caps per user are adjustable.
Can I limit margin to verified users?
Yes. A setting requires approved KYC before a user can activate margin or borrow.
Do margin orders use the same order book?
Yes. They match against the same spot order book and liquidity, so margin adds volume to your existing markets.
