Monitoring Your Loan

Dashboard Overview

Access your loan information 24/7 through the Vield app or web portal. Your dashboard displays:

  • Current LVR: Real-time Loan-to-Value Ratio
  • Total Outstanding Balance: Principal + accrued interest + fees
  • Collateral Value: Current AUD value of your BTC/ETH
  • Next Payment Due: Amount and date

Transaction History

View complete records of:

  • Collateral deposits and withdrawals
  • Loan disbursements
  • Repayments made

Taking Multiple Loans

Personal Loans

  • Maximum loans: Up to 3 personal loans at once
  • Combined LVR limit: Maximum 50% across all loans
  • Requirements: Sufficient collateral and affordability assessment for total debt

Example: $100,000 collateral → $20,000 + $15,000 + $15,000 = $50,000 total (50% LVR).

Commercial Loans

  • Maximum loans: No limit
  • Combined LVR limit: Maximum 50% across all loans
  • Requirements: Adequate collateral, business purpose verification

When You Can Request Additional Equity in the Asset

If your LVR falls below 25% due to crypto appreciation, you may request additional loans (subject to approval) or withdraw a portion of your collateral such that your LVR does not exceed 50%

Example: You have a $25,000 loan secured by 1 BTC that was worth $50,000 (50% LVR). BTC rises to $120,000, dropping your LVR to 20.8%. Maximum additional loan: ($120,000 × 50%) - $25,000 = $35,000 capacity.

Managing Notifications

Types of Notifications

Vield sends notifications via:

  • App push notifications
  • Email
  • Phone call (for critical issues)

Notification Categories

  • Payment reminders: Upcoming quarterly interest payments
  • LVR warnings: When LVR reaches 65%, 70%, 75%
  • Repayment notices: Required action at 75% LVR
  • Default notices: Critical action required at 85% LVR
  • Collateral confirmations: Deposit and withdrawal confirmations
  • Payment confirmations: Successful repayment receipts

Account Restrictions

Temporary Restrictions

Vield may temporarily restrict your account if:

  • You miss a scheduled payment
  • Your LVR exceeds 85%
  • Suspicious activity is detected
  • You breach the Terms & Conditions

During restrictions: You cannot take additional loans, but can still make repayments and add collateral.

Account Suspension

Vield may suspend your account for:

  • Repeated missed payments
  • Breach of loan purpose (using personal loan for business, etc.)
  • Providing false information
  • Regulatory compliance issues

Closing Your Account

Requirements

To close your Vield account:

  • Repay all outstanding loan balances in full
  • Settle all accrued interest and fees
  • Provide your personal crypto wallet address for collateral return

Process

Contact support@vield.io to initiate account closure. Your collateral will be transferred within 2 business days after all balances are cleared.

Document Access

You can download copies of:

  • Your signed Loan Documents
  • Loan Schedule (repayment schedule, fee breakdown)
  • Terms & Conditions
  • Target Market Determination (TMD)
  • Payment receipts
  • Tax documentation

Updating Your Information

You must keep your personal details accurate and up-to-date. Notify Vield immediately if:

  • Your address changes
  • Your employment status changes
  • Your contact information changes (email, phone)
  • Your business structure changes (for commercial loans)
  • Your bank account details change

Contact support@vield.io to update your information.

Best Practices

  • Check your dashboard regularly: At least weekly, more often during volatile markets
  • Respond to notifications promptly: Don't ignore LVR warnings
  • Keep records: Save all emails and documents
  • Plan ahead: Mark payment dates in your calendar
  • Maintain accurate information: Update details promptly
  • Contact support early: If you anticipate issues, reach out proactively