Bybit UTA Auto-Repayment Launched: Trade, Save on Interest

Bybit Rolls Out Automated Repayment for Unified Trading Accounts

Bybit announced on November 9, 2026, at 8 AM UTC, the launch of its Trade Auto-Repayment feature for its Unified Trading Account (UTA). This new functionality aims to streamline the trading process by automatically utilizing assets acquired from spot trading to settle outstanding borrowing obligations. The move is designed to eliminate manual repayment tasks for users and potentially reduce their interest expenses.

Key Features

The Trade Auto-Repayment system is built with two primary functionalities:

• Automatic Repayment After Trading: Once a spot trade is executed and settled, the newly acquired assets will be automatically applied to repay any corresponding borrowing liabilities. This process occurs without requiring any further user intervention.
• Smart Repayment Priority: The system prioritizes the repayment of derivatives liabilities first. Following that, it addresses spot liabilities that involve flexible borrowing. This tiered approach is intended to mitigate liquidation risks for users.

Eligibility and Availability

The Trade Auto-Repayment feature is compatible with specific account configurations within the UTA:

• Supported Account Modes: Users operating under Cross Margin Mode and Portfolio Margin Mode will be able to utilize this feature.
• Unsupported Account Modes: Isolated Margin Mode is not supported by the Trade Auto-Repayment functionality.

The feature is disabled by default. Users must actively enable it within their UTA trading settings to activate its capabilities.

How to Enable

Enabling Trade Auto-Repayment is a straightforward process:

1. Navigate to the UTA trading page.
2. Access the Settings menu.
3. Locate the toggle for “Trade Auto-Repayment” and switch it to the “on” position.

Once enabled, the feature takes immediate effect. All subsequent spot trades will then automatically trigger the repayment process.

API Updates

For developers and advanced users, Bybit has introduced several API updates to support the new feature:

• New Endpoint: A new endpoint, POST /v5/spot-margin-trade/set-trade-auto-repay, has been added to allow configuration of the feature toggle.
• New Endpoint: The GET /v5/spot-margin-trade/get-trade-auto-repay endpoint will enable users to retrieve the current status of the feature.
• Enhanced Endpoint: The POST /v5/spot-margin-trade/set-auto-repay-mode endpoint has been enhanced to support a global toggle and the automatic inheritance of settings for newly listed assets.