> For the complete documentation index, see [llms.txt](https://docs.metalx.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.metalx.com/staking/staking-on-metal-x/stake-loan-fixed-term.md).

# Stake LOAN (Fixed Term)

LOAN staking uses a **fixed-term model** where tokens are locked for a selected duration in exchange for rewards.

<figure><img src="https://1068387139-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F2KWLHP2zE3VO3AoelaSy%2Fuploads%2FW2Gq0mCE19WW1JbjpPTV%2FScreenshot%202026-01-24%20at%2010.35.56%E2%80%AFAM.png?alt=media&amp;token=ef488d8b-5fd1-4709-af56-c5b128cf53e0" alt=""><figcaption></figcaption></figure>

#### How LOAN Staking Works

* When LOAN is staked, it is wrapped into **sLOAN**
* sLOAN accrues LOAN rewards over time
* Tokens remain locked until the selected term ends
* Upon unstaking, sLOAN is automatically unwrapped back into LOAN

#### Key Features

* **Term:** Fixed
* **APR:** Variable (displayed at time of staking)
* **Lockup:** 7 days up to 4 years
* **Reward Multiplier:** Longer lockups receive higher multipliers (up to 4×)
* **Governance:** Staked LOAN can be used for [governance voting](https://gov.xprnetwork.org/communities/5)

#### Staking LOAN

<div align="left"><figure><img src="https://1068387139-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F2KWLHP2zE3VO3AoelaSy%2Fuploads%2FtYnGeKrdOYd5jCFEbOQs%2FScreenshot%202026-01-24%20at%2010.45.15%E2%80%AFAM.png?alt=media&amp;token=8c09043e-23f1-45d6-8615-d07dcb450e21" alt="" width="375"><figcaption></figcaption></figure></div>

1. Select **Stake LOAN** (click [details](https://app.metalx.com/staking/LOAN) or stake)
2. Enter the amount of LOAN to stake
3. Choose a lockup duration
4. Review APR and multiplier
5. Confirm the transaction

Once staked, tokens cannot be withdrawn until the lockup period expires.

#### Unstaking LOAN

* Fixed-term positions automatically mature at the end of the selected term
* Matured positions can be unstaked from [**My Positions**](https://app.metalx.com/staking?tab=user#assets-content)
* Upon unstaking, LOAN and accrued rewards are returned to your wallet


---

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