What is the margin call process like for a crypto loan?

A margin call is issued if the value of your pledged crypto falls beyond a certain threshold, and the threshold depends on which asset you pledged:

With BTC or ETH at a 2:1 collateral ratio (50 LTV), a margin call occurs if your collateral drops by about 25% from its original level.

With XRP at a 2.5:1 collateral ratio (40 LTV), a margin call occurs if your collateral drops by about 40% from its original level.

When this happens, Milo will notify you immediately by email and through your dashboard. Act as soon as you can, either by adding more collateral or making a principal payment to bring your loan-to-value ratio back in line.

A margin call by itself does not mean your crypto will be sold. Milo liquidates pledged collateral only if your loan-to-value ratio reaches the liquidation threshold disclosed in your loan documents, and only the amount needed to restore balance. That threshold is driven by price rather than by a countdown, so a sharp move can reach it quickly and waiting is the riskiest option. You can always track your live collateral status and margin thresholds directly in your Milo dashboard, so you know exactly where you stand.