Lending and Borrowing Crypto Finance Platforms

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What Are Crypto Loans?
How do crypto loans work?

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Here (below) is our list of Crypto finance platforms where you can lend, borrow, and earn interest on your Cryptocurrency

Here (below) is our list of Crypto finance platforms where you can lend, borrow, and earn interest on your Cryptocurrency

Cryptocurrency lending facilities (credit lines) enable long-term holders (HODLers) of Bitcoin and certain Altcoins to unlock liquidity in their cryptocurrency portfolios.

A crypto loan is similar to a traditional loan. You can offer your cryptocurrency assets (portfolio) as collateral and in return, you pay a percentage fee per month to borrow against it.

Loans are often paid out in fiat, and most lenders (unlike banks) don’t mind what you decide to spend the loan on.

Investors can borrow money and play the Cryptocurrency futures market and try and increase their holdings. Other borrowers may like to buy a car, pay off their mortgage or go on holiday. Finally, some lending platforms allow investors to lend out their cryptocurrency and receive a monthly income.

The lending cryptocurrency sector as a whole is now lending over 5 Billion U.S dollars yearly. This is a competitive area and is becoming big business. It is only a matter of time before the major banks start looking at this new lending sector.

Here are some lending tips when looking to borrow off your cryptocurrency holdings


The companies reputation

You need to be extra careful when choosing a lending company. You must analyse its client base, reputation, team background, and financial ratings.

Loan terms

Hire a specialist to look over the lending terms. The minimum and the maximum amount available to lend, the lending rate, penalties, additional fees, maturity, and the small print.

Here is a list of the most well-known and trusted crypto lending platforms, and as always, we recommend that you do your due diligence or hire a crypto loan specialist before taking out a loan. We have not personally used any of these platforms. This is simply a list of the most well-known crypto finance platforms.

We recommend never investing or borrowing more than you can afford.

Cryptocurrency Finance Platforms


Premium Listing

Peer-to-peer bitcoin banking.
Loans, IPO, exchange, staking.
BTCPOP offers a unique P2P banking experience with instant loans, investment pools, collateral tied loans and more.


Premium Listing

Bankera loans, crypto-backed lending platform.
Apply for a bitcoin, ethereum, new or dash loan.
Loans of up to 1million euros available, with 75% loan to value.


Bitfinex has been around since 2012 and is one of the most traded and high volume crypto exchanges available. This exchange is embraced by experienced traders that use their advanced trading tools, although anyone can use their spot exchange. They allow you to buy, sell and trade a full range of cryptocurrencies. This platform allow crypto and bank wire transfer options to fund the account. Investors can short cryptocurrencies using leveraged trading strategies. Bitfinex allows large volume trading and OTC. Derivative, margin, lending, staking also available. They also have an iOS and Android mobile trading App.


Gate has been around since 2013 and one of the fastest growing crypto exchanges in 2021. They are considered one of the most secure exchanges. Gate accepts 20+ fiat currencies using bank transfers, credit and debit cards. Buy, sell, and trade 1000 crypto Altcoins as well as bitcoin. Gate allows spot, margin, leveraged trading and ETFs. Up to 100X leverage for experienced traders. Copy trading from top leadership earners. They have an NFT marketplace, mining income, option trading, loans, lending, and passive income, auctions, and more. They also have an iOS and Android mobile trading App.


Receive $10 of bitcoin upon signup today.
OkEx is a world-leading cryptocurrency derivative and spot exchange. They also offer futures, perpetual swaps, margin, and options. You can also stake and earn from your crypto assets. Finally, OkEx offers low interest loans. NFT platform. They also have an iOS and Android mobile trading App.


Compound is an algorithmic, autonomous interest rate protocol built for developers, to unlock a universe of open financial applications.


Earn up to 10% interest on your crypto holdings and receive daily payouts.
Interest rates starting from 5.9% APR.
EU licensed and regulated financial institution and 800,000 happy clients.


Loans backed by multiple cryptocurrencies. Loans starting from $5,000. Interest rates from 5.95% and terms from 3-12 months.

Unchained capital

Bitcoin native financial services. Cold storage vault and bitcoin backed loans.


Invest in DeFi. A simple interface to access decentralised finance to invest, earn interest and borrow crypto assets.


Powerful DeFi management. Instadapp aims to drive interoperability between protocols for power users and ease of development allowing developers of all stripes to start leveraging the full potential of decentralised finance.

Genesis Capital

The all-in-one solution for your digital asset needs. They provide investors with a secure marketplace to trade, borrow, lend and custody digital currencies.


Keep crypto, use cash. Get a crypto loan backed by the top 15 coins with up to 90% loan-to-value. Earn interest on crypto with 12% APR. Store, exchange and pay anytime.


Where early adopters invest in and trade the best digital assets.


The money market protocol. Have is an open source and non-custodial protocol enabling the creation of money markets. Users can earn interest on deposits and borrow assets.


Digital lending platform where you can get a loan, open a high yield savings account, exchange, transfer and much more.

HODL Finance

Crypto-backed loans for millions of crypto HODLers. 51 currencies available now.


B2X, bitcoin-backed loans and USDC savings accounts.


CoinLoan is the first P2P platform for crypto assets backed loans.
Borrowers get money without selling their crypto assets. Lenders offer loans and earn competitive returns.


Instant crypto credit line. Borrow USD against your Bitcoin and no credit checks and KYC.


Generate income from lending. Raise liquidity against crypto collateral and borrow crypto assets to go short.


Instant credit lines in Fiat. P2P lending and borrowing against crypto collateral.

Coin Rabbit



Silo Finance


Cream Finance



Euler Finance



Iron Bank


Gold Finch


Bulla Network

Bru Finance



Smart Credit

Hope Money


Term Finance



Unilend Finance




Amina Group







Block Earner


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