A loan top-up is an increase to the amount of collateral of your loan. Its goal is to increment the total collateral backing your debt, hence lowering the LTV level and avoiding loan closure due to a BTC or ETH price drop. You can top up your loan by signing into your account, opening the B2X or Dollar Loans tab and clicking on the button that says “Top-Up”.
The system will show you two options: 1) From Transaction account and 2) From external source.
If you choose the Transaction account option, you will only need to input the amount you want to send from your Transaction account to your loan. This process is instant, but you need to request it manually.
On the other hand, if you select from an external source, you will be shown the wallet address where you need to send the additional collateral for the top-up, as well as the QR code. Bear in mind that transactions are only taken into account towards the LTV when they have successfully been confirmed.