A crypto loan gives you liquidity without having to sell your coins. Applying is straightforward, and the process is done in a few steps. This guide walks you calmly from the first calculation through to payout and repayment — with all the numbers you will actually encounter at Trade Lend.
Key takeaways
- You pledge BTC, ETH, SOL, XRP, BNB or LTC as collateral and receive your payout in USDT, USDC, BTC or ETH.
- The loan-to-value is up to 50% by default, and up to 70% for Bitcoin; the loan value is tracked in US dollars.
- Interest accrues daily, and early repayment is possible at any time with no prepayment penalty.
The process at a glance
From calculation to payout you always go through the same stages. First you calculate your possible loan amount, then you choose collateral, term and payout asset, submit the application and pledge your coins. After review, the payout follows. Work out your amount first in the loan calculator and then start the application.
Before you start
A crypto loan requires no income and no traditional credit check — what matters is the market value of the coins you pledge as collateral. Before applying, settle three things: which coins you want to pledge, how much you need, and which asset you want the payout in.
- Collateral: BTC, ETH, SOL, XRP, BNB or LTC.
- Payout: USDT, USDC, BTC or ETH — the loan value is tracked in US dollars.
- Term: flexible with no fixed term, or fixed over 30, 90, 180 or 365 days.
One account for loans and Earn
For the loan you use a customer account, which also covers the Earn program. If you only want liquidity and do not need the coins actively, you can earn interest on them there instead.Your loan in 6 steps
- Calculate the amount. In the loan calculator, choose your collateral and amount. You see live which loan amount results from the current market value and the loan-to-value.
- Choose term and payout asset. Decide on a flexible loan or a fixed term, and set whether you want to be paid out in USDT, USDC, BTC or ETH.
- Complete the application. Open the loan application and enter your details. It only takes a few minutes.
- Pledge your collateral. You receive a deposit address and send the agreed coins to it. They are locked for the duration of the loan, not sold.
- Review and confirmation. We check that the collateral has arrived, confirm your details and confirm the terms.
- Payout. The loan amount is paid out in your chosen asset. You can follow the status at any time via the status page.
Collateral, term and payout
For the term you can choose between a flexible loan with a variable rate and no fixed end, or a fixed loan over 30, 90, 180 or 365 days. The flexible loan suits you if you want to stay open and repay at any time; fixed terms offer predictable conditions for a defined period.
| Decision | Your options | Note |
|---|---|---|
| Collateral | BTC, ETH, SOL, XRP, BNB, LTC | Locked, not sold. |
| Payout | USDT, USDC, BTC, ETH | Loan value is tracked in US dollars. |
| Term | Flexible or 30 / 90 / 180 / 365 days | Early repayment possible at any time. |
| Loan-to-value | Up to 50%, up to 70% for Bitcoin | Determines your maximum loan amount. |
Understanding loan-to-value
The loan-to-value (LTV) describes the ratio of the loan amount to the value of your collateral. By default we lend up to 50% of market value. If the LTV rises — because the price falls or interest accrues — it passes through defined levels.
- 50% standard
- The usual loan-to-value at application — here a comfortable safety buffer remains.
- 60% warning zone
- The LTV is approaching an elevated level. We notify you so you can respond.
- 70% high / maximum
- The highest permitted loan-to-value; for Bitcoin, up to 70% is possible.
If the loan-to-value keeps rising, toward roughly 80 to 85%, we proactively reach out to find a joint solution — for example additional collateral or a partial repayment. Any action on collateral is always a manual last resort, taken only after a prolonged breach toward roughly 95% and always after prior communication. Read more in our guide Loan-to-value (LTV) explained.
Price risk remains
The value of your collateral fluctuates. A significant price drop raises the loan-to-value and can require additional collateral. A crypto loan therefore requires risk awareness and an understanding of market swings.Repayment and interest
Interest accrues daily and is calculated on the loan value tracked in US dollars. You repay in the same asset the loan was paid out in. Early repayment is possible at any time with no prepayment penalty — so you only pay for the time you actually use the loan. Once the loan is fully repaid, your collateral is released again.
| Feature | How it works |
|---|---|
| Interest calculation | Daily, on the loan value tracked in US dollars. |
| Repayment asset | The same asset as the payout (USDT, USDC, BTC or ETH). |
| Early repayment | Possible at any time, with no prepayment penalty. |
| Collateral release | After the loan has been repaid in full. |
Security of your coins
Your pledged coins are locked for the duration of the loan and are not sold. We rely on institutional-grade custody architecture and operational security practices. Any action on collateral is manual, reviewed and communicated in advance.
Our approach to collateral
We prioritize communication and provide multiple notifications before any manual collateral action is considered. There is no automatic or unannounced sale. To learn how we hold coins, read our guide How safe are my coins?.Checklist before you apply
- You have checked your possible amount in the loan calculator.
- You know which collateral you will pledge (BTC, ETH, SOL, XRP, BNB or LTC).
- You have chosen your term and payout asset.
- You are aware that the price of your collateral can fluctuate and affects the loan-to-value.
- You understand repayment: same asset, daily interest, early repayment possible at any time.
All set? Then start your loan application. If you have questions, you can reach us any time via the contact page, and you will find more answers in the frequently asked questions.
Frequently asked questions
The application itself takes only a few minutes. You first calculate your possible loan amount in the loan calculator, choose collateral, term and payout asset, and submit. We then review your details and get in touch with the next steps.
We accept BTC, ETH, SOL, XRP, BNB and LTC as collateral. Your payout is made in USDT, USDC, BTC or ETH. The loan value is tracked in US dollars throughout, even when the payout is made in a cryptocurrency.
You repay in the same asset the loan was paid out in. The loan value is tracked in US dollars and interest accrues daily. Early repayment is possible at any time with no prepayment penalty.
If the price falls, the loan-to-value (LTV) rises. We notify you and we prioritize communication and provide multiple notifications before any manual collateral action is considered. There is no automatic or unannounced sale; any action is a manual last resort taken only after prior communication.
By default the loan-to-value is up to 50 percent of market value. The warning zone begins at 60 percent, and 70 percent is the high-risk level and maximum — for Bitcoin, up to 70 percent is possible. You see your specific amount live in the loan calculator.
Ready to borrow against your coins?
Calculate your possible loan amount in seconds, or start your application directly — your coins stay yours.
Continue reading
What Is a Crypto Loan? Definition, Collateral and Risks
Pledge your coins as collateral instead of selling them: how a crypto loan works, how the amount is calculated, what the risks are — with a glossary, a worked example and an FAQ.
Earn: Fixed or Flexible? Which Plan Fits You
Fixed or flexible? The fixed plan gives a rate guaranteed for 12 months, the flexible plan full availability. Both pay daily in the same coin. The comparison with a clear decision guide.
This article is for general information only and does not constitute investment, legal or tax advice. Crypto loans carry risks, including price fluctuations of the collateral.