Crypto loan platforms offer a unique way to access funds without selling your cryptocurrency. With these platforms, you can use your crypto as collateral to borrow fiat or stablecoins, allowing you to maintain your investment exposure while gaining liquidity.
Explore the leading crypto loan platforms in 2025 that provide competitive rates, high security, and flexible repayment terms. Whether you need a short-term loan or a larger amount, these platforms have options to meet your needs.
| Rank | Casino | Accepted Cryptocurrencies | Welcome Bonus | Action |
|---|---|---|---|---|
| #1 |  Rocko: Bitcoin Loan Marketplace |
| Get the lowest rate on a bitcoin-backed loan by using Rocko to compare rates and easily borrow from top DeFi protocols. | Learn More Visit |
| #2 |  Xapo Bank |
| Borrow up to $1 million USD. Interest rates start around 10% per year, with flexible 1 to 12-month terms, no hidden fees, and no early repayment penalties | Learn More Visit |
| #3 |  Ledn |
| Don't sell your bitcoin. Get a bitcoin-backed loan. Borrow at competitive rates. Collateral is held in custody with Ledn or their trusted institutional USD funding partners. Access cash the same day, no credit checks required. | Learn More Visit |
| #4 |  Debifi |
| Debifi - The Bitcoin Loan Platform Built by Bitcoiners, for Bitcoiners | Learn More Visit |
Rocko is a bitcoin loan marketplace that aggregates the best rates and protocols across DeFi, offering a one-stop solution for securing competitive crypto-backed loans. Users can compare interest rates and easily borrow from top DeFi protocols like Aave and Compound. Use Bitcoin, Ethereum, and more as collateral, with loans sent directly to your exchange account or Ethereum wallet. Use Rocko to ensure you’re getting the best rate on your bitcoin loan!
10 different crypto assets including Bitcoin, Ethereum, and various altcoins
Up to 83%
Get the lowest rate on a bitcoin-backed loan by using Rocko to compare rates and easily borrow from top DeFi protocols.
The Xapo Bank app brings together the services of a licensed private bank, regulated Virtual Asset Service Provider (VASP), and licensed money lender—all in a single app. Through Xapo Credit Limited, its licensed lending arm, Xapo offers Bitcoin-backed loans so you can unlock cash without selling your BTC.
Members can borrow up to $1 million USD, with loan-to-value (LTV) ratios between 20% and 40% based on their Bitcoin holdings. Interest rates start around 10% per year, with flexible 1 to 12-month terms, no hidden fees, and no early repayment penalties. Your Bitcoin stays securely locked in custody—never lent out or rehypothecated.
And the best part? Loan proceeds are credited instantly to your Xapo Bank account. You can spend your USD right away with your Xapo debit card, or transfer it out via:
- Bank transfer (USD, EUR, or GBP)
- Crypto transfer (BTC, USDT, USDC, or via the Lightning Network)
- UMA transfer
Xapo Bank also lets you earn 3.75% interest on USD and 0.5% on Bitcoin balances (up to 5 BTC), trade Bitcoin in-app, and spend globally with a debit card that has no foreign exchange fees. Membership costs $1,000 a year and includes all these benefits—plus industry-leading Bitcoin spreads at just 0.10% and zero trading fees and more!
Fully regulated private bank and virtual asset service provider offering USD and Bitcoin accounts with daily interest and full deposit control.
Earn daily interest on up to 5 BTC and on your USD balance—paid in Satoshis for added flexibility.
Spend directly in BTC or USD with 1% Bitcoin cashback, no FX fees, and worldwide coverage.
Regulated by the Gibraltar Financial Services Commission with KYC/AML protocols and deposit protection for USD.
Manage Bitcoin and USD seamlessly in a single app with hybrid traditional and digital financial services.
MPC protocols, encrypted communications, and multi-layer cold storage for advanced digital asset security.
Borrow up to $1 million USD. Interest rates start around 10% per year, with flexible 1 to 12-month terms, no hidden fees, and no early repayment penalties
Ledn stands as one of the most trusted and established crypto lending platforms, offering institutional-grade Bitcoin and cryptocurrency lending services since 2018. As a regulated Canadian financial services company, Ledn provides both Bitcoin-backed loans and high-yield savings accounts, making it a comprehensive solution for cryptocurrency holders seeking liquidity or passive income opportunities.
The platform's Bitcoin-backed loan program allows users to unlock the value of their Bitcoin without selling, offering loan-to-value ratios up to 50% with competitive interest rates starting as low as 9.95% APR. Loans are available in USD with flexible repayment terms, and borrowers can choose between fixed and variable rate options to match their risk tolerance and market outlook. The minimum loan amount starts at $10,000, making it suitable for both individual and institutional borrowers.
Ledn's security infrastructure meets institutional standards with multi-signature cold storage, comprehensive insurance coverage, and regulatory compliance under Canadian financial regulations. The platform employs bank-level security protocols including 2FA, withdrawal whitelisting, and advanced fraud detection systems. Customer funds are segregated and held with qualified custodians, providing additional protection for user assets.
Beyond lending, Ledn offers competitive yields on Bitcoin and USDC deposits through their Growth Accounts, allowing users to earn passive income on their holdings. Bitcoin Growth Accounts offer up to 6.5% APY, while USDC accounts provide competitive stablecoin yields. The platform's transparent fee structure includes no account maintenance fees, no early repayment penalties, and competitive origination fees.
Ledn's customer service operates with high professional standards, offering dedicated account managers for larger clients and responsive support through multiple channels. The platform's educational resources help users understand crypto lending mechanics and risk management strategies. Regular market insights and analysis are provided to help clients make informed decisions about their crypto lending activities.
To qualify for a BTC backed loan with Ledn, you only need to have a minimum of BTC collateral equivalent to 1,000 USD. Annual interest rate: 10.4%* Admin fee: 2% APR: 12.4% *Annual interest rates and annual percentage rates are subject to change and may vary based on type of loan, the principal amount requested, and the borrower's jurisdiction of residence.
Ledn implement state-of-the-art protocols to ensure the safety of your data and assets. Their team brings together a wealth of experience from some of the top banks and financial companies around the world. Ledn follow best practices and standards demanded from financial institutions.
Earn up to 6.5% APY on Bitcoin and competitive yields on USDC with daily compounding
Get competitive rates on Bitcoin-backed loans with flexible terms, no hidden fees. Loans are typically funded within 24 hours of approval. They can be paid back at any time without penalties, and no monthly payments are required.
Don't sell your bitcoin. Get a bitcoin-backed loan. Borrow at competitive rates. Collateral is held in custody with Ledn or their trusted institutional USD funding partners. Access cash the same day, no credit checks required.
Debifi is a non-custodial lending platform that empowers Bitcoin users to unlock the potential of their holdings as the ultimate collateral. By utilizing secure multisig escrow and eliminating rehypothecation, Debifi delivers robust Bitcoin loan solutions tailored to individuals and institutions. This approach ensures that borrowers retain transparency, security, and control over their assets while accessing competitive loan terms globally.
The platform operates on core Bitcoin principles, prioritizing decentralization, financial freedom, and user sovereignty. Borrowers maintain control of their Bitcoin through a secure 3-of-4 multisig escrow system, which ensures funds can only move with the required signatures. This setup, combined with private key generation via mnemonic seed phrases and two-factor authentication, establishes a high-security standard unmatched in the lending space.
Debifi connects borrowers with institutional-grade liquidity, enabling access to high-volume loans with durations of up to one year. By aggregating global lenders, the platform fosters healthy competition, ensuring borrowers receive the best possible terms and rates. The flexibility of the platform extends to loan customization, supporting both stablecoin and fiat currencies with durations ranging from one month to a year, depending on the borrower's preferences.
Bitcoin's status as sound money is upheld by the platform's strict collateral requirements, using only Bitcoin to back loans. Transparency is further ensured through blockchain-based visibility of collateral, reducing counterparty risks. Debifi’s advanced margin call system proactively alerts borrowers when their Loan-to-Value ratio approaches critical thresholds, allowing timely action to prevent liquidation.
With zero rehypothecation policies, each loan is secured through a unique Bitcoin multisig address tied exclusively to the borrower-lender contract. The platform also collaborates with trusted partners for enhanced security during disputes or forced liquidations, and it offers competitive fees with no hidden costs, making it a straightforward and secure option for Bitcoin-backed lending.
Users retain control of their Bitcoin through a 3-of-4 multisig escrow system
A competitive 1.5% origination fees charged, with no penalties for early repayment.
Crypto loan platforms enable users to borrow funds by using their cryptocurrency as collateral, providing a solution for those who need liquidity but don’t want to sell their assets. Unlike traditional loans, crypto loans allow for quicker approval processes, and in many cases, users don’t need to undergo credit checks. These platforms offer competitive interest rates and a wide range of options depending on whether you prefer a centralized service or a decentralized approach.
Crypto loans offer a variety of benefits, including liquidity without liquidation, flexibility in loan terms, and potential tax benefits as you retain ownership of your assets rather than selling them. Additionally, borrowers can avoid traditional credit checks and take advantage of competitive interest rates in the rapidly growing world of decentralized finance (DeFi).
Centralized loans are managed by established platforms with security protocols, while decentralized loans use smart contracts, offering transparency and autonomy.
Yes, crypto loans involve risks like asset volatility and liquidation during price drops. Choose platforms with robust security and manage collateral carefully.
Generally, no. Most crypto loan platforms do not perform credit checks, making crypto loans accessible to a broader range of users.
Crypto loan platforms provide a flexible and accessible way to access liquidity while retaining cryptocurrency assets. Whether you prefer a centralized approach with Arch Lending or a decentralized option like Aave, each platform offers unique advantages to meet your borrowing needs in the growing world of digital finance.
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