Crypto borrowers are currently evaluating the benefits of fixed versus variable annual percentage rates (APRs) as market volatility persists. Fixed APRs provide stability but often come with higher costs, while variable APRs start lower but can increase significantly during market fluctuations. Platforms such as Clapp offer flexible credit lines with APRs linked to real-time loan-to-value (LTV) ratios, allowing borrowers to pay only for the funds they use. Interest accrual methods vary, with some platforms charging interest on the entire loan amount and others only on the withdrawn funds. Experts emphasize the importance of transparent connections between APRs, LTV ratios, and liquidation thresholds to help borrowers make informed decisions.