CoinLoan

CoinLoan – Overview

Most crypto lenders set one liquidation number and apply it to everyone. CoinLoan does something a bit more nuanced. Rather than a flat threshold, liquidation is calculated per loan based on the interest rate attached to it, loans sitting at 12% or below get a liquidation buffer up near 92% LTV, while higher-rate loans sit a touch lower, though the platform never lets it drop below 90% regardless. The logic is straightforward once you see it: a lender charging more for the loan is already being compensated for extra risk, so the borrower gets more room before the market can force a sale.

Borrowing on CoinLoan starts with picking your own risk level. LTV can be set anywhere from 5% up to 70% when creating a loan request, and a lower LTV simply means more cushion if the market turns against you. You’re not locked into that number for the life of the loan either, adding more collateral to bring LTV down is possible at any point while the loan is still active.

Loans can move in almost any direction you’d want: crypto-to-crypto, crypto-to-fiat, or fiat-to-crypto, with fiat payouts available in EUR or GBP alongside the usual stablecoins. Terms are flexible too, running anywhere from one month out to three years, which is a wider range than most competitors offer.

Fees are kept fairly simple. There’s a one-time origination fee of 1% of the loan principal, and if you hold CLT, CoinLoan’s own token, that fee gets cut in half. A liquidation fee of 7% applies only if a position actually gets liquidated, calculated against whatever collateral gets sold off. Before that ever happens, CoinLoan sends email notifications ahead of a scheduled payment or when the market shifts sharply, giving borrowers a heads-up rather than a surprise.

Approval on CoinLoan is automatic and effectively instant once a loan request is submitted, no manual review holding things up. The platform bundles borrowing alongside trading and an Earn program for interest-bearing deposits, positioning itself as a broader all-in-one crypto financial hub rather than a single-purpose lender.