This Loan Agreement ("Agreement") governs the digital asset loan services provided by Beat Trade ("Platform", "we", "our", or "us") to the user ("User", "you", or "borrower"). By requesting or using the loan services on the platform, you acknowledge that you have read, understood, and agreed to the terms set forth in this Agreement.

1. Eligibility

To access loan services, users must complete all required account verification procedures and comply with the platform’s compliance policies, including identity verification and applicable regulatory requirements.

2. Loan Request and Approval

Users may submit a request to borrow digital assets through the platform. All loan requests are subject to review and approval by Beat Trade. The platform reserves the right to approve, reject, or limit any loan request at its sole discretion.

3. Loan Amount

The loan amount available to a user may depend on various factors, including but not limited to account status, transaction history, risk evaluation, and platform policies.

4. Interest Rate

Interest on borrowed digital assets will be calculated based on the loan amount and the applicable interest rate displayed at the time of borrowing. Interest is typically calculated on a daily basis unless otherwise specified.

5. Loan Term

Each loan issued through the platform will have a defined loan term selected by the user at the time of borrowing. The loan must be repaid in full before or on the expiration date of the selected loan term.

6. Repayment

Users may repay the loan at any time before the due date unless otherwise specified. Repayment must include the principal amount, accrued interest, and any applicable service fees.

7. Late Repayment and Default

If the user fails to repay the loan by the due date, Beat Trade reserves the right to impose additional charges, restrict account activities, or take necessary actions to recover the outstanding balance.

Such actions may include but are not limited to:

• deducting funds from the user’s account balance

• liquidating available assets

• restricting or suspending account services

8. Service Fees

The platform may charge service fees related to loan issuance, repayment processing, or administrative operations. Applicable fees will be displayed before the loan is confirmed.

9. Risk Acknowledgment

Digital asset markets are highly volatile. By using the loan services, users acknowledge and accept the risks associated with digital asset borrowing and trading, including the potential loss of funds.

10. Compliance and Regulatory Requirements

Users agree to comply with all applicable laws and regulations in their jurisdiction when using the platform. Beat Trade may implement compliance procedures, including but not limited to identity verification, transaction monitoring, and reporting obligations.

11. Suspension or Termination

Beat Trade reserves the right to suspend, limit, or terminate loan services at any time due to regulatory requirements, risk management considerations, or suspected violations of platform policies.

12. Limitation of Liability

To the maximum extent permitted by applicable law, Beat Trade shall not be held liable for any losses resulting from market volatility, system interruptions, user errors, or other factors beyond the platform’s reasonable control.

13. Amendments

Beat Trade reserves the right to modify or update this Agreement at any time. Continued use of the platform after such updates constitutes acceptance of the revised terms.

14. Acceptance of Terms

By using the loan services provided by Beat Trade, you confirm that you have read, understood, and agreed to this Loan Agreement and all related policies of the platform.