Crypto lending is often described in terms of interest rates, supported assets, or maximum LTV. Yet the most important difference between lending platforms lies deeper—in how collateral is managed over time.
Some platforms rely on static collateral models, while others like Clapp.finance operate with dynamic collateral in crypto loans. The distinction determines how risk is monitored, how quickly problems surface, and how much control borrowers retain when markets move.
What Static Collateral Means
In a static collateral model, collateral is assessed primarily at loan origination. The borrower deposits assets, receives a loan, and the position remains largely unchanged unless liquidation thresholds are reached.
Risk monitoring exists, but it is reactive. Alerts tend to arrive late, and adjustments often require closing or refinancing the loan. Interest accrues on the full loan amount, and repayment structures are fixed or semi-fixed.
Static models resemble traditional le
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