As per TOS, we lend you the value of 56% of your crypto-collateral (calculated on the day the loan is issued). If the crypto-market goes down, and the value of your collateral is reaching the value of your loan, you have several options:
cover the loan by depositing fiat
increasing the collateral by depositing crypto.
If you do nothing, we sell all your collateral, cover the value of your loan, and deposit the remaining fiat to your account with us. You are free to take it out at any time.