Managing your loan

While your loan is active, your collateral is monitored 24/7 against the live market price. You stay in control and can act unilaterally — no approval from Helva or the lender is needed to add collateral.

Top up any time

If the market moves against you, you can add collateral to your vault at any time, directly from your wallet. This raises your safety margin and moves you away from the liquidation threshold.

If the collateral value goes up, you can withdraw part of it, as long as you stay above the protocol’s minimum collateral factor (the same creation LTV that applied when you opened the LoC). Unused, unreserved balance in your vault is yours to move.

Margin calls & notifications

Helva watches your position and notifies you as it approaches the agreed levels — so you’re not forced to monitor it yourself like in pure DeFi.

Notifications are pushed to you as your health approaches thresholds.
You can customize the levels at which you want to be warned.

flowchart TD
    M[24/7 monitoring] --> H{Health vs threshold}
    H -- Comfortable --> OK[No action needed]
    H -- Approaching --> N[Margin-call notification]
    N --> T[Top up collateral from your wallet]
    T --> OK
    H -- Below liquidation threshold --> L[Liquidation may occur]

Exchange-rate watch (CHF loans)

Collateral price is not the only number we watch. On a CHF loan, the Letter of Credit is in EURC. If the franc strengthens, we track how much of the FX buffer is left and email you before it runs out. That path is separate from a margin call.

If you don’t act

If collateral value falls below the liquidation threshold, the position can be liquidated — only the amount needed to cover what’s owed is converted, and unused collateral returns to you in kind. See Liquidation in “What happens if…” and Repaying your loan.

Next: Repaying your loan →