Best Crypto Loan Platforms in 2026

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 3.35% 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!

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.

Nexo stands as one of the most established and comprehensive digital asset platforms, serving over 7 million clients across 150+ jurisdictions since 2018. What began as a pioneer in crypto-backed lending has evolved into a full-spectrum wealth platform offering instant credit lines, high-yield savings up to 15% APY, perpetual futures trading, and the award-winning Nexo Card powered by Mastercard.

The platform's crypto-backed Credit Line remains its flagship offering, enabling clients to unlock instant liquidity by borrowing against Bitcoin, Ethereum, and 40+ other digital assets without credit checks or lengthy approval processes. With loan-to-value ratios up to 50% for major cryptocurrencies and borrowing rates starting at 2.9% APR for Platinum tier members, Nexo delivers competitive terms that preserve your crypto exposure while providing necessary liquidity.

Nexo's commitment to security is demonstrated through partnerships with industry-leading custodians including Ledger Vault and Fireblocks, with custody facilities insured via Lloyd's of London and Arch Insurance. The platform combines institutional-grade infrastructure with user-friendly interfaces across web and mobile applications, making sophisticated financial tools accessible to both retail users and institutional clients managing significant portfolios.

Beyond lending, Nexo offers Flexible and Fixed-term Savings products with daily interest payouts, Smart Routing technology that optimizes swap execution across multiple exchanges, and advanced trading tools including perpetual futures with up to 100x leverage on select contracts. The loyalty program rewards NEXO token holders with enhanced rates, reduced fees, and up to 2% crypto cashback on card purchases, creating meaningful incentives for long-term platform engagement.