Is the new loan system viable with long term markets?
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In January of 2026, Manifold made a new loan system that charges 0.05% daily on loans. This equates to over 20% APR.

Previously they charged 0% interest, which allowed users to bet long term, and get a loan so there was incentive to bet on long term markets.

Does this interest rate make long term markets unprofitable? I define long term as anything over a year.

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Can I somehow pay back my loans early? I took a new daily loan before reading about the change, and I understand this triggers the high loan interest on my previously outstanding loan too. Would like to get rid of them even if it means I need to close out positions.

@David6LScg yes, if you sell all positions with loans against them in full

@JeromeHPowell Thanks for your reply, I'll close out all of my old positions then

@David6LScg yea, but be careful, there may not be enough liquidity and you may encounter slippage

@David6LScg Not without exiting your postion. Which is BS, you should be able to pay it back seamlessly.

@HillaryClinton now you can pay back without selling

I'm not good at this kind of math, but the consensus seems to be no

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