Gate Exchange Multi-Collateral Loan Skill

Provide multi-collateral loan operations on Gate: create current (flexible) or fixed-term loan orders, repay (partial/full), add collateral (append), and redeem collateral. All write operations require explicit user confirmation before submit.

Trigger Conditions

This skill activates when the user asks about multi-collateral loan operations. Classify intent via Routing Rules (Cases 1–7). Trigger phrases include: "collateral loan", "current loan", "fixed loan", "repay", "add collateral", "redeem collateral", or equivalent in other languages.

Workflow

Step 1: Classify intent

Identify the user intent using Routing Rules (Cases 1–7). If required inputs are missing (order_id, currency, amount, fixed term), ask clarifying questions before proceeding.

Step 2: Read-only requests (rates, LTV, quota, orders)

Call the corresponding MCP tool when the user asks for rates, LTV, quota, order list, or order detail.

Call

cex_mcl_list_user_currency_quota

with:

```
type
```
:
```
collateral
```
or
```
borrow
```
```
currency
```
: comma-separated (borrow: single currency)

Call

cex_mcl_get_multi_collateral_ltv

with:

(no params)

Call

cex_mcl_get_multi_collateral_fix_rate

with:

(no params)

Call

cex_mcl_get_multi_collateral_current_rate

with:

```
currencies
```
: comma-separated currency list

Call

cex_mcl_list_multi_collateral_orders

with:

```
page
```
,
```
limit
```
(optional)
```
sort
```
(optional):
```
time_desc
```
,
```
ltv_asc
```
,
```
ltv_desc
```
```
order_type
```
(optional):
```
current
```
or
```
fixed
```

Call

cex_mcl_get_multi_collateral_order_detail

with:

```
order_id
```

Key data to extract:

LTV thresholds, fixed/current rates, quota rows, order_id, order status, collateral and borrow details

Step 3: Create loan (current or fixed)

If current loan:

Build draft (collateral list + borrow currency/amount).
Ask for confirmation.
Call
```
cex_mcl_create_multi_collateral
```
with order
: JSON string (borrow_currency, borrow_amount, collateral_currencies, order_type: current).

If fixed loan:

Call
```
cex_mcl_get_multi_collateral_fix_rate
```
(returns a list); filter by borrow_currency; take
```
rate_7d
```
or
```
rate_30d
```
as fixed_rate (hourly rate; pass through unchanged, do not convert or relabel as annual/daily).
Build draft with fixed_type and fixed_rate (describe to user as hourly rate if showing).
Ask for confirmation.
Call
```
cex_mcl_create_multi_collateral
```
with order
: JSON including order_type: fixed, fixed_type
```
7d
```
/
```
30d
```
, fixed_rate.

Step 4: Repay

Build draft, ask confirmation, then call

cex_mcl_repay_multi_collateral_loan

with:

repay_loan
: JSON string with
```
order_id
```
and
```
repay_items
```
[{ currency, amount, repaid_all }]

Step 5: Add or redeem collateral

Build draft, ask confirmation, then call

cex_mcl_operate_multi_collateral

with:

collateral_adjust
: JSON string with

order_id

type

(

append

redeem

collaterals

[{ currency, amount }]

Judgment Logic Summary

Determine case by keywords and required inputs (loan create / repay / add / redeem / list).
Fixed loan requires fix_rate lookup; if not available, stop and inform user.
All write operations must be confirmed before calling MCP.
Auth failure (401/403) prompts API key configuration.

Report Template

When asking for confirmation: Draft:

Type: {current|fixed|repay|append|redeem}
Order ID: {order_id if applicable}
Borrow: {borrow_amount} {borrow_currency}
Collateral: {collateral_amounts}
Fixed term/rate: {fixed_type} / {fixed_rate} (hourly rate)

Please confirm to proceed.

On success:

Summary of action and key identifiers (order_id, amounts).

On failure:

Error message and next-step guidance (e.g., check currency/amount/LTV).

Prerequisites

MCP Dependency: Requires gate-mcp to be installed.
Authentication: Order list, detail, repay, collateral, quota, and records require API key; LTV, fix rate, and current rate are public without key.
Disclaimer: Loan and LTV information is for reference only and does not constitute investment advice. Understand product terms and liquidation risk before borrowing.

Available MCP Tools

Tool	Auth	Description	Reference
`cex_mcl_get_multi_collateral_fix_rate`	No	7d/30d fixed rates (list)	`references/mcl-mcp-tools.md`
`cex_mcl_get_multi_collateral_ltv`	No	LTV thresholds	`references/mcl-mcp-tools.md`
`cex_mcl_get_multi_collateral_current_rate`	No	Current rates	`references/mcl-mcp-tools.md`
`cex_mcl_list_user_currency_quota`	Yes	Borrow/collateral quota	`references/mcl-mcp-tools.md`
`cex_mcl_create_multi_collateral`	Yes	Create loan ( `order` JSON)	`references/mcl-mcp-tools.md`
`cex_mcl_list_multi_collateral_orders`	Yes	List orders	`references/mcl-mcp-tools.md`
`cex_mcl_get_multi_collateral_order_detail`	Yes	Order detail	`references/mcl-mcp-tools.md`
`cex_mcl_repay_multi_collateral_loan`	Yes	Repay ( `repay_loan` JSON)	`references/mcl-mcp-tools.md`
`cex_mcl_operate_multi_collateral`	Yes	Add/redeem collateral ( `collateral_adjust` JSON)	`references/mcl-mcp-tools.md`
`cex_mcl_list_multi_repay_records`	Yes	Repay history	`references/mcl-mcp-tools.md`
`cex_mcl_list_multi_collateral_records`	Yes	Collateral history	`references/mcl-mcp-tools.md`

Routing Rules

Case	User Intent	Signal Keywords	Action
1	Create current loan	"current loan", "pledge … borrow … (current)"	See `references/scenarios.md` Scenario 1
2	Create fixed loan	"fixed loan", "borrow … for 7/30 days"	See `references/scenarios.md` Scenario 2
3	Repay	"repay", "repay order …"	See `references/scenarios.md` Scenario 3
4	Add collateral	"add collateral", "add margin"	See `references/scenarios.md` Scenario 4
5	Redeem collateral	"redeem collateral", "reduce margin"	See `references/scenarios.md` Scenario 5
6	List orders / order detail	"loan orders", "order detail", "my orders"	`cex_mcl_list_multi_collateral_orders` / `cex_mcl_get_multi_collateral_order_detail` — never include any time/date fields in the user-facing reply (see Presentation below)
7	Auth failure (401/403)	MCP returns 401/403	Do not expose keys; prompt user to configure Gate CEX API Key (multi-collateral loan).

Execution

Identify user intent from the Routing Rules table above.
For Cases 1–5: Read the corresponding scenario in
```
references/scenarios.md
```
and follow the Workflow (show order draft, then call MCP only after user confirmation).
For Case 6: Call list or detail tool as needed; no confirmation required for read-only. Never show borrow_time, maturity, due date, operate_time, create_time, repay_time, Unix timestamps, or any other time-related fields in the reply—even if the user asks for dates/times; suggest checking the Gate app or web for timing details.
For Case 7: Do not expose API keys or raw errors; prompt the user to set up Gate CEX API Key with multi-collateral loan permission in MCP.
If the user's intent is ambiguous (e.g. missing order_id, currency, or amount), ask a clarifying question before routing.

Domain Knowledge

Core Concepts

Current loan: Flexible loan. Create via

cex_mcl_create_multi_collateral

with

order

JSON:

order_type: current

Fixed loan: 7-day/30-day.
```
order
```
JSON must include
```
order_type: fixed
```
, fixed_type
:
```
7d
```
or
```
30d
```
(lowercase), fixed_rate
: hourly interest rate from
```
cex_mcl_get_multi_collateral_fix_rate
```
(use
```
rate_7d
```
or
```
rate_30d
```
for that borrow_currency; pass as-is, do not describe as annual or daily rate). Missing fixed fields may yield INVALID_PARAM_VALUE.

Repay:

cex_mcl_repay_multi_collateral_loan

with

repay_loan

JSON.

Add collateral:

cex_mcl_operate_multi_collateral

collateral_adjust

with

type: append

Redeem collateral: same tool,
```
type: redeem
```
.
LTV:
```
cex_mcl_get_multi_collateral_ltv
```
— init_ltv, alert_ltv, liquidate_ltv.

Create Loan Flow (Case 1 & 2)

Parse collateral, borrow currency/amount; fixed: 7 days → 7d, 30 days → 30d.

Current: Optionally

cex_mcl_list_user_currency_quota

or current rate tools. On confirm:

cex_mcl_create_multi_collateral

with

order

JSON.

Fixed:
```
cex_mcl_get_multi_collateral_fix_rate
```
; filter list by borrow_currency; on empty or no row, stop with user message; else set fixed_rate = rate_7d or rate_30d (hourly rate; pass as-is into order JSON; do not describe as annual or daily). On confirm:
```
order
```
JSON with fixed fields.

Repay Flow (Case 3)

Parse order_id and repay amount (or full).

Show draft; on confirm:

cex_mcl_repay_multi_collateral_loan

with

repay_loan

JSON.

Add / Redeem Collateral Flow (Case 4 & 5)

Parse order_id and collateral amount/currency.

Show draft; on confirm:

cex_mcl_operate_multi_collateral

with

collateral_adjust

JSON.

Presentation — order list / order detail (Case 6)

When the user asks to view my collateral loan orders or order detail:

No time fields: Do not output any time or date information—omit every timestamp-style field from MCP (e.g.
```
borrow_time
```
, maturity, due time,
```
operate_time
```
,
```
create_time
```
,
```
repay_time
```
, calendar dates, Unix seconds as dates). Do not paraphrase relative timing (e.g. "expires in 3 days") computed from those fields.
Allowed in reply:
```
order_id
```
,
```
status
```
, borrow side (currency, principal/interest left), collateral side (currency, amount), current LTV if present, fixed_type
```
7d
```
/
```
30d
```
as term label only (no calendar dates).
If the user asks specifically for dates/maturity: Reply that timing is not shown here and they should open Gate (app/web) for full order schedule—still do not paste API time fields into chat.

Safety Rules

Writes (

cex_mcl_create_multi_collateral

cex_mcl_repay_multi_collateral_loan

cex_mcl_operate_multi_collateral

): Always require explicit confirmation and an order draft before execution.

No investment advice: Present LTV/rates; user decides.
Sensitive data: Never expose API keys or raw internal errors.
Amounts: Reject non-positive amounts; validate order_id for repay/collateral ops.
Order views: Never surface time columns, dates, or timestamp fields in order list/detail answers to the user.

Error Handling

Condition	Response
401/403	"Please configure your Gate CEX API Key in MCP with multi-collateral loan permission."
`cex_mcl_create_multi_collateral` fails	Check `order` JSON: borrow fields; for fixed include fixed_type `7d` / `30d` and fixed_rate from fix_rate tool.
Wrong fixed_type	Must be `7d` or `30d` , lowercase.
Fix rate empty (fixed)	"Fixed rate temporarily unavailable; try later or use current loan."
Repay / operate fails	Check order_id, currency, amount in JSON payloads.
Order not found	"Order not found." / "No loan orders."

Prompt Examples & Scenarios

See

references/scenarios.md

for prompt examples and expected behaviors (create current/fixed, repay, add collateral, redeem collateral).

gate-exchange-collateralloan

NPX Install

Tags

SKILL.md Content

Gate Exchange Multi-Collateral Loan Skill

Trigger Conditions

Workflow

Step 1: Classify intent

Step 2: Read-only requests (rates, LTV, quota, orders)

Step 3: Create loan (current or fixed)

Step 4: Repay

Step 5: Add or redeem collateral

Judgment Logic Summary

Report Template

Prerequisites

Available MCP Tools

Routing Rules

Execution

Domain Knowledge

Core Concepts

Create Loan Flow (Case 1 & 2)

Repay Flow (Case 3)

Add / Redeem Collateral Flow (Case 4 & 5)

Presentation — order list / order detail (Case 6)

Safety Rules

Error Handling

Prompt Examples & Scenarios