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Borrow Against Crypto
Use your crypto as collateral and access cash without selling. Select your asset below to see which platforms accept it.
Showing 12 platforms accepting
+2 Clapp Finance is a newer Europe-focused crypto fintech platform combining crypto savings accounts, euro banking features…
Lava.xyz offers Bitcoin-native financial services that let you borrow, earn, and spend globally.Lava.xyz is a Bitcoin-ba…
+2 Nexo is one of the most popular crypto earn platforms, calling itself a digital assets wealth platform. A minimum of $5,…
Nebeus is a multi-currency financial platform, merging money with crypto. Nebeus supports 25+ coins.Nebeus Crypto Rentin…
Ledn is a digital-asset lending and savings platform. It allows users to use Bitcoin as collateral to borrow USD or stab…
+1 Lantern Finance offers cryptocurrency-backed loan products that allow users to obtain loans secured by their digital ass…
Firefish is a Bitcoin-backed lending marketplace that connects borrowers and lenders directly, using Bitcoin as collater…
Figure Markets is a U.S.-based crypto platform focused on earning yield through real-world assets (RWAs) rather than tra…
+2 CoinRabbit is a stablecoin-focused lending/loan platform. CoinRabbit offers monthly yield on USDT (Tether) and USDC (Cir…
+2 Backpack Exchange, is a fully regulated cryptocurrency exchange built by the team behind the Solana-native Backpack Wall…
Arch Lending is a crypto-backed lending platform founded in 2022 and headquartered in New York, NY. It allows users to b…
APX Lending is a North America–focused crypto-backed lending platform that enables borrowers to unlock liquidity from th…
No platforms found
No platforms currently accept this asset as collateral.
Not sure how much to borrow?
Calculate your exact loan cost, LTV, and liquidation price before committing.
What is Borrowing Against Crypto?
Borrowing against crypto allows investors to secure loans by using their cryptocurrency assets — such as Bitcoin (BTC), Ethereum (ETH), or USDC — as collateral. This approach provides liquidity without requiring the sale of assets, preserving potential future gains.
Which Crypto Assets Can I Use as Collateral?
Bitcoin (BTC) is the most widely accepted collateral — nearly every platform on this page accepts it. Ethereum (ETH) and Solana (SOL) are also widely supported. Some platforms accept a broader basket including XRP, Litecoin, DOGE, and stablecoins. Use the coin selector above to filter by your specific asset.
Why Borrow Against Crypto?
- Tax efficiency: Borrowing is generally not a taxable event — you avoid triggering capital gains by not selling.
- Retain upside: Your collateral stays in your name. If your asset appreciates, you still benefit.
- No credit check: The loan is secured entirely by collateral value, not your financial history.
- Fast funding: Most platforms fund within 24–48 hours of collateral confirmation.
Risks to Consider
- Liquidation: If your collateral's value drops below the maintenance margin, the platform may sell it to repay the loan. Stay below 50% LTV for a safe buffer.
- Platform risk: CeFi platforms hold your crypto. Research custody arrangements before depositing large amounts.
- Interest: Rates range from ~3% to 18%+ APR depending on the platform and LTV selected.
