Introducing: Perpetual, No Margin-Call Loans
In crypto, margin calls and forced liquidations have caused more pain than almost anything else. A small dip in price becomes a death spiral. Traders panic. Smart contracts auto-sell. And billions vanish in minutes.
But what if one could borrow—without ever worrying about liquidation?
No price alerts.
No forced collateral liquidations.
No stress.
With Teller’s new Perpetual, No Margin-Call Loans, that’s now possible.
💡 What is a Perpetual, No Margin-Call Loan?
Teller’s loan model is built for long-term users who want flexible debt without forced liquidation risk. Here’s how it works:
- Deposit crypto collateral.
- Borrow stablecoins (like USDC) or WETH.
Debt can be held forever—perpetually—as long as one condition is met:
🌀 Borrower's periodically "roll over" collateral to keep the Loan-to-Value (LTV) in check.
🔁 No Margin Calls. Just Scheduled Collateral Adjustments.
Traditional crypto loans require maintaining a fixed collateral ratio, like 150%. If the collateral value drops below the threshold, it’s forcibly liquidated.
Teller introduces a graceful, scheduled system:
Instead of margin calls, loans have periodic Rollover Windows (e.g. every 30 days).
During the window, a borrower can either top up or withdraw collateral to maintain the loan’s target LTV (e.g. 60–70%).
If the collateral grew in value, a borrower can withdraw excess or borrow more.
If it dropped, the borrower must top it up—within the rollover window, but without automatic liquidation.
That’s it.
🌲 No More Forced Liquidations
Forced liquidations are brutal, especially for low liquidity coins, where a single liquidation can crash the whole market. In June 2025, over $1.1 billion in liquidations occurred in a single day, triggering cascading sell-offs and massive slippage—most of which were automated.
Teller's model eliminates this entirely:
🧱 The position is isolated in a vault.
⏳ Borrowers control their rollover timing.
🧘 No margin calls, ever.
🏧 Get Cash at the Teller ATM
Teller works like a crypto-native ATM:
- Deposit assets like ETH, WBTC, or stables.
- Instantly borrow against them.
Use the cash for real-world expenses, yield farming, or any onchain activity.
Want to extend a loan? Just roll over collateral, and keep going.
⏱️ Set & Forget. Borrow and Live Life.
No margin monitoring.
No sudden liquidations.
Just a loan, collateral, and a time horizon.
📊 Why This Matters: Market Context
In 2022–2025, forced liquidations were responsible for billions in lost value, especially during events like Terra’s collapse and flash crashes.
Even low-LTV users were affected, as liquidation cascades caused collateral prices to spiral down.
DeFi needs a calmer, more user-friendly debt systems—and perpetual loans offer exactly that.
✅ Feature Recap
| Feature | Benefit |
|---|---|
| No margin calls | Never lose collateral automatically due to price drops. |
| Perpetual structure | Keep a loan indefinitely. |
| Rollover-based collateral mgmt | Adjust collateral manually during scheduled periods. |
| Collateral isolation | One vault per loan. No cross-position risk. |
| Borrow in stablecoins | Instantly access liquid capital. |
🌍 The Future of Borrowing is Calm
Teller’s Perpetual Loan system isn’t just an upgrade—it’s a rethinking of what crypto borrowing should be:
Peaceful.
Predictable.
Personalized.
So go ahead—get cash at the Teller ATM 🏧, set it, forget it, and live life.
DeFi debt is no longer a time bomb. It’s a tool.
And now, it’s finally on pre-determined terms.
Want to learn more or try out no margin-call loans?
👉 Visit teller.org