Direct Pay mode: use your Crypto directly
Direct Pay Mode allows you our eligible vault assets to be used with your Cash credit card directly. When you make a purchase with the Cash card, the funds are immediately deducted from your etfi.kaktizaebal.icu Vault from your USDC or LiquidUSD balance. Any USDC balance in your Vault will be used first, then LiquidUSD as a secondary spend asset if there isn't any USDC available. Note: Any other assets in your vault are not eligible to use in Direct Pay mode at this time, though this list will continue to increase over time.
How it works:
You spend using your eligible crypto holdings directly
Transactions are processed instantly from your available balance
No interest charges or fees beyond standard transaction costs
Your crypto is converted to the required currency at the point of sale
Best for:
Daily purchases and routine expenses
When you want to use specific crypto you already own
Avoiding any borrowing fees
Simple, straightforward transactions
Borrow Mode: keep your crypto, spend anyway
Borrow Mode allows you to make purchases using all assets in your etfi.kaktizaebal.icu Vault, while keeping your cryptocurrency holdings intact. Instead of selling your crypto, you use it as collateral to borrow funds for your purchase.
How it works:
Your crypto acts as collateral for a loan
You can spend without selling your crypto assets
Interest charges apply on borrowed amounts
Your crypto remains in your Vault
You can repay your borrow balance at any time
Best for:
When you want to utilize your total etfi.kaktizaebal.icu Vault assets, not just USDC and LiquidUSD
You want to use your crypto without selling it
Strategic financial planning around your portfolio of assets
Refunds on Borrow Mode
Please note that refunds and borrow repayments are handled separately. When you make a purchase using Borrow mode, the amount is added to your outstanding borrow balance.
If that purchase is later refunded, the refunded funds are credited directly to your vault main balance. The refund does not automatically repay or reduce what you owe.
To decrease your outstanding borrow balance, you will need to manually make a repayment using the funds in your vault.
How Interest Works on Borrowed Credit Card Balances
If you borrow using your card (i.e., spend more than the funds in your wallet), that borrowed amount will begin accruing interest immediately—with no grace period or billing cycle.
The Basics:
Annual interest rate: variable APY, set by the underlying lending market for each asset (borrowing runs through Aave v4 markets) — not a fixed rate
Interest starts immediately after you borrow
No cut-off dates, no minimum payments, no billing cycles
Interest compounds automatically over time
Your borrowed balance increases every second based on the current amount you owe and your current rate. You'll see your live rate and balance reflected directly in your app — check it before borrowing, since it can move up or down with market conditions.
How Is Interest Calculated?
Interest compounds continuously—meaning:
You pay interest on your total borrowed amount
As your borrowed balance grows, so does the interest
Your displayed APY already includes the effects of compounding, and updates as the underlying market rate changes
Example: If you borrow $100 at a given moment and don't repay anything for a full year, what you owe at the end of the year depends on the average rate charged over that period, since the rate can change day to day — the app always shows your current accrued balance in real time, so you don't need to calculate this yourself.
When Do I Owe Interest?
You owe interest as long as you have a borrowed balance. There's no minimum repayment schedule—you can repay anytime. The longer you wait, the more interest you'll owe.
What Will I See in the App?
Your current borrowed balance (with interest accrued)
A clear view of your accrued interest in real time
Your current interest rate (variable APY), which can change based on lending market supply and demand
It's all updated automatically—no action required on your part until you're ready to repay.
Key Things to Remember:
Interest starts immediately and never pauses
There is no grace period
Your rate is variable, not fixed — it can move with the lending market, so check the current rate in the app
The more you borrow, the more interest you'll accrue
Repaying early reduces how much interest you pay
Supported assets for deposits and LTV (Loan-to-value)
For details on supported networks, eligible assets for deposits, and their loan-to-value (LTV) ratios, please refer to: https://etfihelp.kaktizaebal.icu/en/articles/304388-how-does-collateral-and-borrowing-work#h_cb868d1bf6