Gate Exchange Multi-Collateral Loan Skill#

General Rules#

⚠️ STOP — You MUST read and strictly follow the shared runtime rules before proceeding. Do NOT select or call any tool until all rules are read. These rules have the highest priority. → Read gate-runtime-rules.md

• Only call MCP tools explicitly listed in this skill. Tools not documented here must NOT be called, even if they exist in the MCP server.

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MCP Dependencies#

Required MCP Servers#

MCP ServerStatusGate (main)✅ Required

MCP Tools Used#

Query Operations (Read-only)

• cex_mcl_get_multi_collateral_current_rate
• cex_mcl_get_multi_collateral_fix_rate
• cex_mcl_get_multi_collateral_ltv
• cex_mcl_get_multi_collateral_order_detail
• cex_mcl_list_multi_collateral_orders
• cex_mcl_list_multi_collateral_records
• cex_mcl_list_multi_repay_records
• cex_mcl_list_user_currency_quota
• cex_mcl_operate_multi_collateral

Execution Operations (Write)

• cex_mcl_create_multi_collateral
• cex_mcl_repay_mcl

Authentication#

• API Key Required: Yes (see skill doc/runtime MCP deployment)
• Permissions: Mcl:Write
• Get API Key: https://www.gate.io/myaccount/profile/api-key/manage

Installation Check#

• Required: Gate (main)
• Install: Run installer skill for your IDE
  • Cursor: gate-mcp-cursor-installer
  • Codex: gate-mcp-codex-installer
  • Claude: gate-mcp-claude-installer
  • OpenClaw: gate-mcp-openclaw-installer

MCP Mode#

Read and strictly follow references/mcp.md, then execute this skill's collateral-loan workflow.

• SKILL.md keeps routing and product constraints.
• references/mcp.md is the authoritative MCP execution layer for quota/LTV pre-checks, confirmation gates, and post-action verification.

Trigger Conditions#

This skill activates when the user asks about multi-collateral loan operations. Classify intent via Routing Rules (Cases 1–7). Trigger phrases include: "collateral loan", "current loan", "fixed loan", "repay", "add collateral", "redeem collateral", or equivalent in other languages.

Workflow#

Step 1: Classify intent#

Identify the user intent using Routing Rules (Cases 1–7). If required inputs are missing (order_id, currency, amount, fixed term), ask clarifying questions before proceeding.

Step 2: Read-only requests (rates, LTV, quota, orders)#

Call the corresponding MCP tool when the user asks for rates, LTV, quota, order list, or order detail.

Call cex_mcl_list_user_currency_quota with:

• type: collateral or borrow
• currency: comma-separated (borrow: single currency)

Call cex_mcl_get_multi_collateral_ltv with:

• (no params)

Call cex_mcl_get_multi_collateral_fix_rate with:

• (no params)

Call cex_mcl_get_multi_collateral_current_rate with:

• currencies: comma-separated currency list

Call cex_mcl_list_multi_collateral_orders with:

• page, limit (optional)
• sort (optional): time_desc, ltv_asc, ltv_desc
• order_type (optional): current or fixed

Call cex_mcl_get_multi_collateral_order_detail with:

• order_id

Key data to extract:

• LTV thresholds, fixed/current rates, quota rows, order_id, order status, collateral and borrow details

Step 3: Create loan (current or fixed)#

If current loan:

1. Build draft (collateral list + borrow currency/amount).
2. Ask for confirmation.
3. Call cex_mcl_create_multi_collateral with order: JSON string (borrow_currency, borrow_amount, collateral_currencies, order_type: current).

If fixed loan:

1. Call cex_mcl_get_multi_collateral_fix_rate (returns a list); filter by borrow_currency; take rate_7d or rate_30d as fixed_rate (hourly rate; pass through unchanged, do not convert or relabel as annual/daily).
2. Build draft with fixed_type and fixed_rate (describe to user as hourly rate if showing).
3. Ask for confirmation.
4. Call cex_mcl_create_multi_collateral with order: JSON including order_type: fixed, fixed_type 7d/ 30d, fixed_rate.

Step 4: Repay#

Build draft, ask confirmation, then call cex_mcl_repay_mcl with:

• repay_loan: JSON string with order_id and repay_items [{ currency, amount, repaid_all }]

Step 5: Add or redeem collateral#

Build draft, ask confirmation, then call cex_mcl_operate_multi_collateral with:

• collateral_adjust: JSON string with order_id, type ( append | redeem), collaterals [{ currency, amount }]

Judgment Logic Summary#

• Determine case by keywords and required inputs (loan create / repay / add / redeem / list).
• Fixed loan requires fix_rate lookup; if not available, stop and inform user.
• All write operations must be confirmed before calling MCP.
• Auth failure (401/403) prompts API key configuration.

Report Template#

When asking for confirmation: Draft:

• Type: {current|fixed|repay|append|redeem}
• Order ID: {order_id if applicable}
• Borrow: {borrow_amount} {borrow_currency}
• Collateral: {collateral_amounts}
• Fixed term/rate: {fixed_type} / {fixed_rate} (hourly rate)

Please confirm to proceed.

On success:

• Summary of action and key identifiers (order_id, amounts).

On failure:

• Error message and next-step guidance (e.g., check currency/amount/LTV).

Prerequisites#

• MCP Dependency: Requires gate-mcp to be installed.
• Authentication: Order list, detail, repay, collateral, quota, and records require API key; LTV, fix rate, and current rate are public without key.
• Disclaimer: Loan and LTV information is for reference only and does not constitute investment advice. Understand product terms and liquidation risk before borrowing.

Available MCP Tools#

ToolAuthDescriptionReferencecex_mcl_get_multi_collateral_fix_rateNo7d/30d fixed rates (list)references/mcl-mcp-tools.md``cex_mcl_get_multi_collateral_ltvNoLTV thresholdsreferences/mcl-mcp-tools.md``cex_mcl_get_multi_collateral_current_rateNoCurrent ratesreferences/mcl-mcp-tools.md``cex_mcl_list_user_currency_quotaYesBorrow/collateral quotareferences/mcl-mcp-tools.md``cex_mcl_create_multi_collateralYesCreate loan ( order JSON)references/mcl-mcp-tools.md``cex_mcl_list_multi_collateral_ordersYesList ordersreferences/mcl-mcp-tools.md``cex_mcl_get_multi_collateral_order_detailYesOrder detailreferences/mcl-mcp-tools.md``cex_mcl_repay_mclYesRepay ( repay_loan JSON)references/mcl-mcp-tools.md``cex_mcl_operate_multi_collateralYesAdd/redeem collateral ( collateral_adjust JSON)references/mcl-mcp-tools.md``cex_mcl_list_multi_repay_recordsYesRepay historyreferences/mcl-mcp-tools.md``cex_mcl_list_multi_collateral_recordsYesCollateral historyreferences/mcl-mcp-tools.md

Routing Rules#

CaseUser IntentSignal KeywordsAction1Create current loan"current loan", "pledge ... borrow ... (current)"See references/scenarios.md Scenario 12Create fixed loan"fixed loan", "borrow ... for 7/30 days"See references/scenarios.md Scenario 23Repay"repay", "repay order ..."See references/scenarios.md Scenario 34Add collateral"add collateral", "add margin"See references/scenarios.md Scenario 45Redeem collateral"redeem collateral", "reduce margin"See references/scenarios.md Scenario 56List orders / order detail"loan orders", "order detail", "my orders"cex_mcl_list_multi_collateral_orders / cex_mcl_get_multi_collateral_order_detail — never include any time/date fields in the user-facing reply (see Presentation below)7Auth failure (401/403)MCP returns 401/403Do not expose keys; prompt user to configure Gate CEX API Key (multi-collateral loan).

Execution#

1. Identify user intent from the Routing Rules table above.
2. For Cases 1–5: Read the corresponding scenario in references/scenarios.md and follow the Workflow (show order draft, then call MCP only after user confirmation).
3. For Case 6: Call list or detail tool as needed; no confirmation required for read-only. Never show borrow_time, maturity, due date, operate_time, create_time, repay_time, Unix timestamps, or any other time-related fields in the reply—even if the user asks for dates/times; suggest checking the Gate app or web for timing details.
4. For Case 7: Do not expose API keys or raw errors; prompt the user to set up Gate CEX API Key with multi-collateral loan permission in MCP.
5. If the user's intent is ambiguous (e.g. missing order_id, currency, or amount), ask a clarifying question before routing.

Domain Knowledge#

Core Concepts#

• Current loan: Flexible loan. Create via cex_mcl_create_multi_collateral with order JSON: order_type: current.
• Fixed loan: 7-day/30-day. order JSON must include order_type: fixed, fixed_type: 7d or 30d (lowercase), fixed_rate: hourly interest rate from cex_mcl_get_multi_collateral_fix_rate (use rate_7d or rate_30d for that borrow_currency; pass as-is, do not describe as annual or daily rate). Missing fixed fields may yield INVALID_PARAM_VALUE.
• Repay: cex_mcl_repay_mcl with repay_loan JSON.
• Add collateral: cex_mcl_operate_multi_collateral, collateral_adjust with type: append.
• Redeem collateral: same tool, type: redeem.
• LTV: cex_mcl_get_multi_collateral_ltv — init_ltv, alert_ltv, liquidate_ltv.

Create Loan Flow (Case 1 & 2)#

1. Parse collateral, borrow currency/amount; fixed: 7 days → 7d, 30 days → 30d.
2. Current: Optionally cex_mcl_list_user_currency_quota or current rate tools. On confirm: cex_mcl_create_multi_collateral with order JSON.
3. Fixed: cex_mcl_get_multi_collateral_fix_rate; filter list by borrow_currency; on empty or no row, stop with user message; else set fixed_rate = rate_7d or rate_30d ( hourly rate; pass as-is into order JSON; do not describe as annual or daily). On confirm: order JSON with fixed fields.

Repay Flow (Case 3)#

1. Parse order_id and repay amount (or full).
2. Show draft; on confirm: cex_mcl_repay_mcl with repay_loan JSON.

Add / Redeem Collateral Flow (Case 4 & 5)#

1. Parse order_id and collateral amount/currency.
2. Show draft; on confirm: cex_mcl_operate_multi_collateral with collateral_adjust JSON.

Presentation — order list / order detail (Case 6)#

When the user asks to view my collateral loan orders or order detail:

• No time fields: Do not output any time or date information—omit every timestamp-style field from MCP (e.g. borrow_time, maturity, due time, operate_time, create_time, repay_time, calendar dates, Unix seconds as dates). Do not paraphrase relative timing (e.g. "expires in 3 days") computed from those fields.
• Allowed in reply: order_id, status, borrow side (currency, principal/interest left), collateral side (currency, amount), current LTV if present, fixed_type 7d/ 30d as term label only (no calendar dates).
• If the user asks specifically for dates/maturity: Reply that timing is not shown here and they should open Gate (app/web) for full order schedule—still do not paste API time fields into chat.

Safety Rules#

• Writes ( cex_mcl_create_multi_collateral, cex_mcl_repay_mcl, cex_mcl_operate_multi_collateral): Always require explicit confirmation and an order draft before execution.
• No investment advice: Present LTV/rates; user decides.
• Sensitive data: Never expose API keys or raw internal errors.
• Amounts: Reject non-positive amounts; validate order_id for repay/collateral ops.
• Order views: Never surface time columns, dates, or timestamp fields in order list/detail answers to the user.

Error Handling#

ConditionResponse401/403"Please configure your Gate CEX API Key in MCP with multi-collateral loan permission."cex_mcl_create_multi_collateral failsCheck order JSON: borrow fields; for fixed include fixed_type 7d/ 30d and fixed_rate from fix_rate tool.Wrong fixed_typeMust be 7d or 30d, lowercase.Fix rate empty (fixed)"Fixed rate temporarily unavailable; try later or use current loan."Repay / operate failsCheck order_id, currency, amount in JSON payloads.Order not found"Order not found." / "No loan orders."

Prompt Examples & Scenarios#

See references/scenarios.md for prompt examples and expected behaviors (create current/fixed, repay, add collateral, redeem collateral).