Lending Platforms
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Arch Lending is a US-registered crypto lending platform that holds your Bitcoin, Ethereum, or Solana with Anchorage Digital, an OCC-chartered custodian, rather than on its own balance sheet. Loans come with fixed rates locked at origination, no prepayment penalties, and a tiered liquidation process built to protect just enough of your collateral, not all of it.
Binance Loans covers two different ways to borrow against your crypto: an open-term Flexible Loan with rates that update every minute, and a Fixed Rate Loan matched against real lenders on the platform. Positions are isolated per collateral-loan pair, so one loan going sideways doesn't touch your other holdings.
Bybit Crypto Loan offers both an open-ended Flexible Rate Loan and a fixed-term Fixed Rate Loan, all running under Cross Margin, meaning your collateral is pooled and your LTV is calculated as one number across every loan you've got open, rather than tracked separately per position.
Coinbase Borrow lets you take out a USDC loan against your Bitcoin without leaving the Coinbase app, but the collateral itself lives on-chain in a Morpho smart contract rather than in Coinbase's own vault. There's no fixed repayment schedule, no credit check, and borrowing tops out at $5,000,000.
CoinLoan lets you borrow crypto or fiat (EUR, GBP) against your crypto holdings, choosing your own LTV anywhere from 5% to 70%. Its liquidation threshold isn't a single fixed number, it shifts based on the interest rate you're paying, giving lower-rate loans more breathing room before anything gets sold off.
CoinRabbit is a custodial crypto lending platform built around speed, funds typically land within ten minutes, with no KYC, no credit check, and no fixed repayment deadline. It accepts well over a hundred cryptocurrencies as collateral and pays loans out in stablecoins.
Figure Markets offers crypto-backed loans against Bitcoin, Ethereum, and Solana, with collateral held in a self-custody MPC wallet rather than a traditional custodian's vault. There's no credit check, funds move fast, and idle account balances automatically chip away at your loan if your LTV starts climbing toward risky territory.
Borrowers on HodlHodl Lend lock up Bitcoin as collateral and walk away with USDT, USDC, L-BTC, or WBTC, all without a credit check or KYC. The whole thing runs on a 2-of-3 multisig escrow, so no single company ever actually holds your coins.
Lendasat is a peer-to-peer Bitcoin lending platform where you keep your own keys the whole time. Loans are secured through a 2-of-3 multisig escrow instead of a company vault, and there's no KYC or credit check standing between you and a stablecoin or fiat loan.
Milo Lending is a regulated US mortgage lender that lets you buy or refinance property using Bitcoin or Ethereum as collateral instead of a cash down payment. Pledge crypto equal to the loan amount and you can get up to 100% financing on a 30-year fixed-rate mortgage, with your assets held by Coinbase or BitGo and never rehypothecated.
Nexo is a digital asset wealth platform where you can open a crypto-backed Credit Line against Bitcoin, Ethereum, and dozens of other assets, with rates that drop the more NEXO tokens you hold. There's no credit check, no fixed repayment schedule, and funds land in your account or bank almost instantly.
OKX Loan gives you two ways to borrow against your crypto: an on-demand Flexible Loan you can open and close whenever, or a Fixed Loan with a set rate and term running anywhere from 7 days to a year. A built-in health factor metric helps you keep an eye on liquidation risk without doing the math yourself.
