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What Is the Margin in a Secured Credit?

Definition and how margin works in overcollateralized credits.

The margin represents the ratio between the value of your collateral and the total amount owed for the credit, expressed as a percentage.
This indicator helps measure the strength of your collateral compared to the amount of credit you’ve requested.

Formula:
Margin (%) = (Collateral Value / Credit Amount) × 100

Example:

  • Credit amount: 1,000 USDT

  • Collateral: 2,000 USDT

  • Margin = (2,000 / 1,000) × 100 = 200%

This means your collateral is twice the amount of your credit.


Minimum required margin: 120%

At Quantia, all credits must be overcollateralized.
If your margin drops below this value — for example, due to a decrease in the collateral’s market price — an automatic liquidation will be triggered. This means part or all of your collateral may be used to repay the outstanding credit.


Real-time monitoring
You can track the status of your credit and margin at any time directly from your Quantia account.

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