Can I add more collateral to an active Loan?

Yes. You may add additional eligible collateral to an active Loan to increase your Collateral Coverage and minimise the risk of a Liquidation Event during periods of volatile metal prices. The ADD COLLATERAL feature is available where the Collateral Coverage ratio falls below 200%.

The “ADD COLLATERAL” button is located on the relevant Loan within your account. You may also view the latest Collateral Coverage ratios for all your Loans on your Holdings page and add collateral via the same interface.

Added collateral will be designated as security for the specific Loan and cannot be removed until the Loan has been fully repaid and closed.

Please note the following important points:

• Collateral is loan-specific. A S.T.A.R. Parcel may only be pledged to a single Loan and cannot be split across multiple Loans. S.T.A.R. Grams, being divisible holdings, allow smaller quantities to be assigned as collateral to individual Loans, but each gram pledged is designated to a specific Loan and cannot be reused across multiple Loans.

• Once additional collateral is pledged to a Loan, it cannot be removed until the Loan is fully repaid and closed, at which point all collateral for that Loan will be released.

• Only precious metals (gold, silver, or platinum S.T.A.R. Parcels or Grams) may be used as additional collateral.

• If you do not have sufficient unencumbered precious metals, you may purchase additional metals and pledge them, or consider early repayment of a Loan to release existing collateral.

You may contact your assigned Relationship Manager or our Customer Service team for guidance on using this feature or understanding your collateral position. However, collateral additions must be initiated and confirmed by you directly through the platform.

Borrowers remain responsible for monitoring their Loan position and initiating collateral additions where necessary to mitigate the risk of liquidation if Collateral Coverage declines to 110% of the Loan principal.