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Odaily Planet Daily News: Cryptocurrency exchange Bybit announced that it will integrate staking (flexible loans) and deposit lending (fixed rate loans) into a simplified interface to enhance user experience and financial efficiency. This integration will unify two types of loans on the "Cryptocurrency Loans" page, adopting a new design layout that prioritizes usability and transparency. The main upgrades include the full warehouse margin model, shared collateral, graded pledge rates, and updated interest calculation methods. All loan products will operate under a unified full margin system, and collateral can be exchanged between two loan types. All supported assets will follow a graded collateral system that reflects risk conditions. This integration aims to simplify the interaction between users and loan products, while improving financial flexibility. By integrating management tools and a unified risk model, the new model can provide users with more control and lending clarity. Existing loan orders will remain unchanged.