When to distribute profit in crypto lending?

Initial loan duration is 10 days. Borrowers who default on loans will be required to repay them.

After repayment, the principal & interest will be returned to the lender's spot account, unless the 'Auto-renew/Auto order' option is checked when placing the loan offer.

The borrower may repay in advance, and if so, the actual loan duration is subjected to repayment date.