If the value of the assets increases and the client believes that their crypto asset has met their price target, they can place an order with the Nexo Oracle to sell a fraction of the crypto assets stored in their account and repay part or all of their outstanding balance. The transaction is performed through API on some of the major exchanges (i.e. Bitstamp, Kraken etc.) without any additional fees besides the exchange's fees.
An increase in the value of the collateral assets also gives the client the opportunity to withdraw more from their credit line.
If the assets decrease significantly in value and you do not contribute additional assets to your Nexo account after receiving warnings from the Nexo Oracle, the Nexo Oracle may initiate small automatic loan repayments to rebalance the Loan-to-Value back within the limits.