# Borrow XAI: rates on every exchange

Annualised margin borrow rates for XAI at VIP 0, and whether borrowing it to collect negative funding pays after every cost.

Updated 2026-10-30 05:06 UTC · https://afterfees.xyz/borrow/XAI

## XAI borrow rates by exchange

| Exchange | Now | 24 h avg | 7-day avg | Rate counted | Per-account limit | Platform remaining | Status |
|---|---|---|---|---|---|---|---|
| [Bitget](https://afterfees.xyz/venues/bitget) | 2.89% | 2.93% | 2.96% | 2.93% | $52.8K | $3.3K | Borrowable |
| [Gate](https://afterfees.xyz/venues/gate) | 12.17% | 12.06% | 11.72% | 12.17% * | $10K | not published | Borrowable |
| [Binance](https://afterfees.xyz/venues/binance) | 48.07% | 48.07% | 48.07% | 48.07% | $2K | not published | Borrowable |
| [Bybit](https://afterfees.xyz/venues/bybit) | 48.83% | 48.93% | 48.96% | 48.93% | $3K | not published | Borrowable |

_Annualised simply (hourly rate × 8,760). Rate counted = the higher of the current rate and the 24 h average, as in every calculation on AfterFees. * Gate: rate × the published VIP multiplier (inferred)._

## Reverse carry on XAI: borrow and sell spot, long the perp

No reverse XAI carry nets a profit at this size right now.

_At $10,000 per side, held 7 days, after taker fees, order-book slippage and carry._

## XAI perps, most negative funding first

| Exchange | Contract | Rate | Every | Annualised |
|---|---|---|---|---|
| [Hyperliquid](https://afterfees.xyz/venues/hyperliquid) | XAI | -0.0052% | 1 h | −45.9% |
| [MEXC](https://afterfees.xyz/venues/mexc) | XAI_USDT | 0.0050% | 4 h | +10.9% |
| [Bitget](https://afterfees.xyz/venues/bitget) | XAIUSDT | 0.0050% | 4 h | +10.9% |
| [Bybit](https://afterfees.xyz/venues/bybit) | XAIUSDT | 0.0050% | 4 h | +10.9% |
| [KuCoin](https://afterfees.xyz/venues/kucoin) | XAIUSDTM | 0.0050% | 4 h | +10.9% |
| [BingX](https://afterfees.xyz/venues/bingx) | XAI-USDT | 0.0050% | 4 h | +10.9% |
| [Binance](https://afterfees.xyz/venues/binance) | XAIUSDT | 0.0050% | 4 h | +10.9% |
| [Aster](https://afterfees.xyz/venues/aster) | XAIUSDT | 0.0050% | 4 h | +10.9% |

## Coins

|   |   |
|---|---|
| Funding rates and every arbitrage on this coin | [XAI](https://afterfees.xyz/coin/XAI) |

## Questions

**Where is it cheapest to borrow XAI?**

Bitget, at 2.93% a year at the rate we count (the higher of the current rate and the 24 h average), among 4 exchanges that lend XAI.

**Can I earn negative funding on XAI by borrowing it?**

Not right now: no reverse XAI carry covers its borrow interest, fees and slippage at $10,000 for 7 days.

_The method behind every number on AfterFees is published; Pro opens each figure into its line-by-line calculation. Estimates from current data, not investment advice. We never hold funds or trade for you._