XREX Taiwan 虛擬資產借貸附加條款
最後更新日：2025.07.25
XREX Taiwan 虛擬資產借貸服務條款（下稱 「本條款」）將作為會員使用 XREX Taiwan 平台（下稱 「本平台」、「我們」、「本公司」 或 「XREX」）之虛擬資產借貸服務（下稱 「本服務」）的使用契約與基本規範。
本服務之進行過程中將會發生具有擔保物權與消費借貸等性質民事法律關係或財務特性，適合具交易經驗的使用者，例如採取積極或多元策略的交易人士。對應本平台客戶投資屬性為「穩健性」。
參與虛擬資產借貸時，會員應謹慎評估，明確知悉並確實理解本服務的運作機制並能承受相關風險（包括但不限於資產擔保品制度、借貸成本、市場價格波動風險等），並審慎評估本身的風險偏好、財務能力及經濟狀況後，方開始使用本服務進行各項交易。
使用本服務前，您同意受本條款及後續更新版本之約束：
會員須符合 XREX Taiwan 使用者條款所訂會員申請條件，並經本公司KYC審核後擁有有效帳戶方能使用本服務。
使用虛擬資產借貸服務之會員需於本平台上存放擔保資產（下稱「抵押品」），平台可接受之抵押品種類為BTC、ETH或XAUT，會員可選擇借出之標的物為USDT或USD91。抵押品或標的物於本平台服務提供期間可能隨時更新。
於虛擬資產市值變動劇烈時，本平台得要求會員另提供額外抵押品以維持LTV 比率，惟此非本平台之義務。
會員可透過本平台指定流程，選擇抵押品種類與數量，並申請借入特定數額的借貸資產。本平台將基於當時的市場狀況與內部風控政策，決定是否核准該筆借貸申請。本平台以借貸價值比例（Loan-to-value Ratio，即所貸債務對抵押品之價值比例，下稱「LTV 比率」，計算公式為：借出標的物市值 ÷ 抵押品市值）評估會員之借貸資格及風險水準。當會員之 LTV 比率達到應清算之LTV 比率（實際比率見本服務提供頁面）時，將會觸發抵押品清算機制。
預警通知（Margin Call）
當會員的借貸LTV比率達到本平台設定預警之「LTV比率」時，本平台將嘗試透過本服務應用程式推播、電子郵件或其他方式（如適用）等一種或多種方式，向會員發出預警通知，提醒其注意風險並及時補充抵押品。
強制清算
如果會員的借貸LTV比率觸及或高於本平台設定應清算之「LTV比率」，本平台有權無需另行通知，立即啟動自動化清算程序，以出售或處分會員的抵押品來償還其債務。清算所得將依序償付所有相關費用（如交易手續費）、應計借貸成本（利息），以及剩餘的貸款本金。
會員對於清算機制的認知與責任
會員理解並同意，前述之預警通知僅為本平台提供之提醒服務，不構成本平台之保證或義務。因虛擬資產市場價格波動極端迅速，或因網路延遲、第三方通訊服務商問題、會員自身設備或設定等非本平台可完全控制之因素，可能導致預警通知延遲、傳送失敗或會員未能及時讀取。
會員認知到，在市場劇烈波動時，LTV比率可能在極短時間內從應預警之LTV比率上升至應清算之LTV比率，本平台發出的預警通知，不保證會員有充足時間補充抵押品。清算程序可能在預警通知發出後不久或甚至同時發生。
會員的主要責任始終在於主動監控其帳戶的LTV比率及市場價格波動，並應自行判斷風險、隨時準備補充抵押品，以避免自動清算。會員不得僅以未收到或未及時收到預警通知為由，向本平台主張任何形式之損害賠償或權利。本平台對於因市場波動或清算機制所致之任何損失，不負賠償責任。
使用虛擬資產借貸服務即是向本平台借貸虛擬資產，故本公司將以每小時計算借貸成本，並於清算時收取。請詳閱本公司官網「法定公開揭露事項>內部政策>收費政策」內有關產品／服務內容及相關手續費等費用之說明。本平台保留調整利率的權利，並將於調整生效前公告。
您可以隨時選擇部分或全部清償。於清算或完全清償前，借貸成本則持續累積。
清算後如有剩餘資產，將返還至您的平台帳戶。惟若因市場流動性不足或價格劇烈波動，導致全部抵押品清算後仍無法清償您的債務，會員同意本公司得限制其帳戶中其他資產之提領或移轉，並得將前述資產優先用於清償會員於本平台所負之費用、借貸成本及本金。
有鑒於虛擬資產的交易活動存在極高風險，您確認並同意您將自行承擔使用本服務的風險。在考慮是否使用本服務前，您應理解並接受下列各項事宜與風險：
您了解虛擬資產借貸在市場行情劇烈變動時，您可能因抵押品市值過低導致強制清算。在市場極端行情下，特定虛擬資產可能出現流動性不足（買賣盤深度不足），導致清算時的實際成交價格劣於市場指數價格（滑價），進而擴大您的損失。
除借用資產標的價格波動，您作為抵押品之資產價格亦可能隨市場波動，進而導致您的抵押品不足而需要補提抵押資產，此一變動可能使您之損失超出原所預期。
您應瞭解，雖補繳抵押品，仍可能因入金時間差而產生自動清算之風險，尤其為符合政府法令及落實本平台資訊安全措施、防制洗錢政策及程序，可能有無法預期之情況所產生暫停或停止交易或出入金，此亦可能影響您的履約能力或造成強制清算之結果。
請注意本服務可能依臺灣法規或本平台內部政策而不定期調整、暫停或下架。
本平台、本服務所提供或透過本平台獲得的資訊、內容和服務均是基於「現有」和「可用」的基礎提供。本公司對於服務的適合度、特定用途之適合性、所有權及非侵權性不提供任何明示或默示的保證。
本平台提供之所有資訊、數據及服務，均不構成任何形式的投資、法律、稅務或理財建議。您應基於自身的財務狀況、風險承受能力及專業顧問的意見，獨立作出判斷。
本平台並不保證服務將永遠無誤或不受干擾，亦不保證您在使用本服務過程中所取得的任何產品、服務或其他資訊的精確性、可靠性或品質。
在法律允許的範圍內，本平台對於因使用或無法使用本服務所導致的任何直接、間接、附帶、特殊、衍生性或懲罰性損害（包括但不限於利潤損失、業務中斷、資訊遺失或其他經濟損失）不承擔任何責任。
您理解全球各國對虛擬資產的法律與監管政策尚在發展中，未來政策的任何變動（如稅收、定性、交易限制等）都可能對虛擬資產的價值及本服務的營運產生重大影響。本平台所適用之準據法為中華民國法律，倘若會員您的國籍或您所在之司法管轄區非中華民國法律所適用之區域，本平台無法保證本產品或服務在會員所處之司法管轄區內均為合法或獲得適當授權。會員應自行確認並確保其在當地使用本產品或服務之合法性，並應就其使用行為自行承擔一切相關風險與法律責任。
在債務部分或全部清償後，本平台將計算抵押品的等價價值，並應在一個工作日內完成返還等值抵押品，返還形式可為同類別、同數量之資產。於極端情形下（例如該幣種已下架）則本平台得決定以等值的法定貨幣或穩定幣完成返還，等值計算方式依本平台當時公示價格為準。您同意本平台保有決定返還方式和返還的資產類型之全部權利。
本公司保留隨時修改本條款之權利，若有修改將會發布於本公司網站，並將最後更新日期列於本條款頂部，會員若不同意本條款修改內容，請聯繫本公司之客服人員，以便協助帳號後續處理及保障您的權益。
本條款如有未盡事宜，按 XREX Taiwan 使用者條款 辦理，次依相關法令及誠實信用原則公平解決之。
XREX Taiwan Supplementary Terms and Conditions for Crypto Loans
Last Updated: July 25, 2025
The terms and conditions herein (the "Terms") shall serve as the usage agreement and fundamental guidelines for Taiwan users of the XREX Taiwan platform (the "Platform", "we", “our company” or "XREX") in connection with the use of Crypto Loan services ( referred to as the "Service").
During the course of using the Service, civil legal relationships or financial characteristics such as collateralized lending and consumer loan arrangements may arise. The Service is suitable for users with trading experience, such as those adopting aggressive or diversified strategies. The corresponding investment profile for Platform users is "moderate".
When participating in Crypto Loan, you should carefully evaluate and fully understand the operational mechanism of the Service and be able to bear the related risks (including but not limited to the collateral system, borrowing costs, and market price fluctuation risks, ). You should assess your risk appetite, financial capacity, and economic situation before using the Service to engage in any transactions.
Before using the Service, you agree to be bound by these Terms and their subsequent updates:
Article 1. Eligibility
You must meet the membership application requirements set forth in the XREX Taiwan General Terms and Conditions and hold a valid account approved through XREX’s KYC verification process in order to use the Service.
Article 2. Services
You may submit a loan application to the Platform and withdraw the borrowed crypto assets. The Platform evaluates your borrowing eligibility and risk level based on the Loan-to-Value ratio (LTV ratio), which is calculated as the market value of the borrowed assets divided by the market value of the collateral. When your LTV ratio reaches a certain level (as published on the Service page), it may trigger the collateral liquidation mechanisms.
Article 3. Collateral and Loaned Assets
Users of the Crypto Loan Service are required to deposit collateral assets (“the Collateral”) on the Platform. Acceptable types of Collateral include BTC, ETH or XAUT. Users may choose to borrow either USDT or USD91. The types of Collateral or loaned assets may be updated at any time during the operation of the Service.
In the event of significant fluctuations in the market value of crypto assets, the Platform may require users to provide additional Collateral to maintain the LTV ratio. However, the Platform is not obligated to do so.
Article 4. Liquidation Mechanism
1. Margin Call Notification When your LTV ratio reaches the Platform’s pre-set alert level, the Platform will attempt to send you a margin call notice via one or more methods, such as in-app push notifications, email, or other applicable channels. This is a reminder for you to manage your risks and replenish your Collateral promptly.
2. Forced Liquidation If your LTV ratio reaches or exceeds the liquidation threshold set by the Platform, the Platform may, without further notice, immediately initiate automated liquidation procedures to sell or dispose of your Collateral in order to repay your outstanding debt. The proceeds from liquidation will be applied in the following order: related fees (such as transaction fees), accrued borrowing costs (interest), and the remaining loan principal.
3. User Responsibilities and Acknowledgments Regarding Liquidation
You understand and agree that the margin call notification is merely a courtesy reminder provided by the Platform and does not constitute a guarantee or obligation. Due to the highly volatile nature of the crypto market or factors beyond the Platform’s control—such as network delays, third-party communication issues, or the user's device or settings—there may be delays or failures in delivering the notification, or the user may not read it in time.
You acknowledge that during extreme market fluctuations, the LTV ratio may rapidly rise from the warning level to the liquidation level, and the issuance of a margin call does not guarantee sufficient time to replenish the Collateral. Liquidation may occur shortly after or even simultaneously with the margin call.
You are primarily responsible for proactively monitoring your LTV ratio and market price fluctuations. You must independently assess the risks and be prepared to replenish Collateral at any time to avoid liquidation. You shall not claim any form of damages or rights against the Platform solely on the basis of not receiving or not receiving in time the margin call notification. The Platform shall not be liable for any losses caused by market fluctuations or the liquidation mechanism.
Article 5. Borrowing Cost
Please refer to the “Legal Disclosures > Internal Policies > Fee Policy” section on our official website for detailed explanations regarding product/service content and related handling fees. The Platform reserves the right to adjust interest rates and will announce changes in advance.
Article 6. Repayment
You may choose to repay part or all of the loan at any time. Borrowing costs will continue to accrue until liquidation or full repayment.
If, after liquidation, your debt remains unpaid due to market illiquidity or severe price fluctuations, you agree that the Platform may restrict the withdrawal or transfer of other assets in your account, and may prioritize such assets to settle outstanding fees, borrowing costs, and principal.
Article 7. Risk Disclosure
Given the high risk of trading activities in crypto, you acknowledge and agree that you assume full responsibility for using the Service. Before deciding whether to use the Service, you should understand and accept the following matters and risks:
You understand that under extreme market conditions, certain crypto assets may lack liquidity (insufficient order book depth), which could result in slippage—where the actual liquidation price is worse than the market index price—thereby increasing your losses.
In addition to the value fluctuations of the Borrowed Assets, the value of your Collateral may also fluctuate with the market.If the Collateral becomes insufficient, you may be required to provide additional Collateral, and such changes may result in losses exceeding your original expectations.
You understand that even after providing additionalCollateralautomatic liquidation may still occur due to delays in deposit processing. Especially to comply e with government regulations, information security measures, and anti-money laundering policies, the Platform may suspend or stop transactions or deposits/withdrawals without prior notice, potentially affecting your ability to perform or resulting in forced liquidation.
Please note that the Service may be adjusted, suspended, or removed from time to time in accordance with applicable regulations in Taiwan or the internal policies of the Platform.
Article 8. Disclaimer and Limitation of Liability
This Platform, the Service, and all information, content, materials, and services provided through the Platform are provided on an "as is" and "as available" basis. XREX makes no express or implied warranties regarding merchantability, suitability for a particular purpose, ownership, or non-infringement.
All information, data, and services provided by the Platform do not constitute any form of investment, legal, tax, or financial advice. You should make independent judgments based on your own financial condition, risk tolerance, and the advice of professional consultants.
The Platform does not guarantee that the Service or products are legal or properly authorized in the user’s jurisdiction. If your nationality or jurisdiction is not covered by the laws of the Republic of China (Taiwan), you are solely responsible for ensuring the legality of your use of the Service. You shall bear all associated risks and legal responsibilities.
To the extent permitted by law, the Platform shall not be reliable for any direct, indirect, incidental, special, consequential, or punitive damages (including but not limited to loss of profits, business interruption, data loss, or other economic losses) resulting from the use or inability to use the Service.
You understand that laws and regulatory policies regarding virtual assets are still evolving across jurisdictions. Any future changes in policies (e.g., tax treatment, classification, trading restrictions, etc.) may significantly impact the value of virtual assets and the operation of the Service. The governing law of this Platform is the law of the Republic of China (Taiwan). If your nationality or jurisdiction is not subject to Taiwanese law, the Platform cannot guarantee that the products or services are lawful or appropriately authorized in your jurisdiction. You are solely responsible for verifying and ensuring the legality of your use of the products or services locally and shall bear all related risks and legal liabilities.
Article 9. Return of Collateral
Upon partial or full repayment of the debt, the Platform will calculate the equivalent value of the Collateral and shall complete the return of such equivalent Collateral within one (1) business day. The return shall be made in the same type and quantity of assets.
In extreme circumstances (such as delisting of the relevant asset), the Platform may decide to return an equivalent value in fiat currency or stablecoins. The calculation of such equivalent value shall be based on the Platform’s publicly posted prices at the time.
You agree that the Platform reserves the full right to determine the method of return and the type of assets used for such return.
Article 10. Modifications
As our business evolves, XREX may modify the Terms at any time with proper notice. Every modification will be updated on the website. If you do not agree with such changes, please contact our Customer Service Team for further assistance.
Article 11. Matters Not Provided Herein
Matters not addressed herein shall be subject to XREX Taiwan General Terms and Conditions and the applicable regulations.
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