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# Auto Top-up Function

Binance
2020-08-26 08:27
Auto Top-up is a function that allows you to automatically transfer additional collateral when your Loan-to-Value (LTV) ratio reaches the margin call level.
When enabled, the available assets in your Spot Wallet will be used to supplement the collateral to avoid being liquidated. In other words, the function will transfer your spot assets to cross collateral to bring your LTV back to the Initial LTV.
Please note that when the market is extremely volatile, there is still a chance of being liquidated even with Auto Top-up function enabled.
Please refer to Loan-To-Value (LTV) and Liquidation Protocol for more details.

## How to calculate the Collateral amount for Auto Top-up?

Assuming Collateral/USDT Index Price is P:
Collateral Amount for Auto Top-up = (Loan Amount / P) / Initial LTV - Current Collateral Amount
Example:
On 2020-07-25 17:18:38 UTC, BTCUSDT Price Index is 11,569.82478777, you have a loan amount of 100 USDT with 0.01329077 BTC in collateral.
Suppose BTCUSDT Price Index falls to 9,405.02319 and the current accumulated interests is 0, your current Loan-To-Value (LTV) ratio reaches the 80% Margin Call Level:
LTV = (Principal + Interests) / Collateral Amount x 100%
= 100 USDT / 0.01329077 BTC x 100%
= 100 USDT / (0.01329077 * 9,405.02319) USDT x 100%
= 80%
Collateral Amount for Auto Top-up = (Loan Amount / P) / Initial LTV - Current Collateral Amount
= (100 USDT / 9,405.02319) / 65% - 0.01329538 BTC
= 0.0030671 BTC

## How does Auto Top-up work?

1. The asset balance of your Spot Wallet will impact your eligibility to use the Auto Top-up function:
• If your Spot Wallet balance > 0, the system will auto top-up the collateral to ensure that your current LTV to be restored to the initial LTV;
• If your Spot Wallet balance = 0, the system will not perform auto top-up;
• If your Spot Wallet balance is insufficient to bring your LTV down to the initial LTV, the corresponding asset in your Spot Wallet will be used to supplement the collateral to recover the Initial LTV as much as possible. For example, your collateral is BTC and there are BTC and BNB in your Spot Wallet, then all BTC will be transferred to your BTC collateral.
2. The auto top-up limit is controlled by the configured threshold:
• If the first Auto Top-up attempt succeeded: After the first auto top-up (either automatically or manually), if the LTV meets the Auto Top-up conditions again, the system will automatically trigger Auto Top-up, and there is no limit on Auto Top-up attempts;
• If the Auto Top-up attempt failed: The system will initiate 6 more Auto Top-up attempts at a 12-hour interval. In other words, if the system fails to auto top-up at 12:00, it will attempt again at the next auto top-up time (24:00). The system will make a total of 6 attempts. After the 6th attempt, Auto Top-up will no longer be executed, unless you perform a successful manual top-up or if the Auto Top-up is reset.
3. After the auto top-up is completed, you will be notified via SMS or email.
Important Note: You agree that during your use of the Service, under certain circumstances (including due to personal network congestion and poor network environment), you may be unable or delayed to receive SMS or email reminders. We reserve the right with no obligation to deliver notifications.

## How to enable Auto Top-up?

1. Click [Wallet] - [Futures] after logging into your Binance account.
2. Scroll down to [Collaterals] and you will see the [Auto Top-up] button. Click to enable Auto Top-up for each collateral.
3. To view Auto Top-up records, click [Orders] - [Futures Order].
If the auto top-up is completed, the system will generate a LTV Adjustment History and mark the transaction type as ‘Auto Top-up’.