Borrow against your crypto without selling them

We are excited to announce the launch of Lending on the Crypto.com Exchange. Users can now receive an instant loan when using their crypto as collateral. Enjoy flexible terms and low interest rates.

Key Highlights

  • Deposit an accepted crypto and receive a loan instantly;
  • Repay loans partially or in full at any time without early repayment fees;
  • Interest rates as low as 1% APR, stake CRO to get the best rates

With Lending, both retail customers and institutions can choose loan terms that suit them, and make repayments based on the corresponding initial loan-to-value (LTV) ratios.

How to Get Started:

Key Loan Terms

Terms

Details

Loan Duration

Maximum duration: 12 months

Note: Users can repay any amount at any time.

Number of Loans

Borrow up to 3 outstanding loans at a time.


Collateral Currencies

BTC, ETH, LTC, CRO

We are continually adding new cryptocurrencies—watch this space!


Loanable Currencies

USDC, USDT

We are continually adding new cryptocurrencies—watch this space!

Minimum Borrowing Amount

100 USDC or 100 USDT

Maximum Borrowing Amount (In total at a time)

  • USD 500,000 equivalent for retail users

  • USD 1,000,000 equivalent for institutional users

Interest Rates

Preferable loan interest rates with higher CRO Stake or lower LTV:

Initial LTV

CRO Stake < 100K

CRO Stake ≥ 100K

LTV = 25%

2.00% APR

1.00% APR

LTV = 33%

6.00% APR

4.00% APR

LTV = 50%

8.00% APR

6.00% APR


Note: The above table shows simple interest rates, which means the interest charges only apply on the loan’s principal amount, and are not compounded on earlier interest charges.


User Eligibility
Crypto.com Exchange users need to complete Advanced level verification to use Lending. Citizens or residents of the excluded jurisdictions listed here are unable to use our Lending services at this time.

Please visit our FAQ for more details on loan terms, issuance, repayment, and interest rates.