The same way we only require additional collateral for margin at 70% LTV, on the other side we can release excess collateral when your LTV drops below 20%.
If your LTV is below 20% we can send any excess crypto back to you with no refinancing needed. We can release enough crypto move your loan up to a 25% LTV with no new loan documents needed. Note that your excess collateral must be at least 1 BTC or 25 ETH. This is only applicable for loans that originated at either 50% LTV or 35% LTV.