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Unlike conventional loans with predefined repayment schedules, Cashaa offers a fully flexible loan structure where:

✅ No Fixed Loan Terms: Borrowers can hold their loan indefinitely, as long as daily interest payments are made.

✅ Collateral Locked Until Full Repayment: The pledged collateral remains locked until the entire loan principal is repaid.

✅ Partial Repayment Unlocks Collateral: If borrowers repay a portion of the principal, a proportionate amount of the collateral is released.

✅ Daily Interest Deduction: Interest is debited daily from the borrower's savings account in the same currency as the loan.

This unique loan structure allows users to manage their liquidity needs efficiently without worrying about rigid repayment deadlines.

How Interest Is Charged?

• Interest is calculated daily based on the outstanding loan principal.

• It is automatically deducted from the borrower’s savings wallet in the same token as the loan.

• If funds in the savings wallet are insufficient, interest is deducted from other tokens available in the wallet (including an exchange fee).

• If no balance is available, interest is deducted from the collateral itself.

Loan Interest Rates by Loyalty Level

The interest rates are based on:

✔ Loyalty Level (determined by CAS holdings in the borrower's portfolio).

✔ Loan-to-Value (LTV) Ratio (the proportion of the loan amount compared to the collateral value).

📌 Note: Higher CAS holdings in a borrower's portfolio qualify them for lower interest rates.

✔ No fixed loan terms – Borrowers can keep the loan open as long as interest payments are made.

✔ Daily interest debited automatically – Ensures easy management of payments.

✔ Collateral remains locked until full repayment – Provides security to the lender.

✔ Partial repayments free up collateral proportionately – Offers flexibility in repayment.

✔ Loyalty level determines interest rates – Holding CAS tokens leads to better loan terms.

✔ Failure to maintain interest payments can result in collateral liquidation.

🚀 With Cashaa’s flexible loan structure, borrowers can access liquidity without time-bound repayment pressure, making it an ideal solution for long-term financial planning! 🚀