A crypto loan and the Earn program share the same basic idea — your coins work for you without you having to sell. But they solve different problems. This guide helps you choose the right one.
Key takeaways
- Crypto loan: you need liquidity now and pledge coins as collateral without selling.
- Earn: you hold coins that sit idle and want to earn ongoing interest on them.
- You can combine both — and with each, the asset’s price risk remains.
The difference in one sentence
With a crypto loan you give collateral and receive liquidity, for which you pay interest. With the Earn program you give a deposit and receive interest. One raises cash, the other grows holdings.
When a crypto loan fits
A crypto loan is the right choice when you need short-term liquidity but want to keep your coins — for example because you expect prices to rise or want to avoid selling. You pledge BTC, ETH, SOL, XRP, BNB or LTC and receive a payout in USDT, USDC, BTC or ETH. The loan value is tracked in US dollars; you repay in the same asset it was paid out in.
Our approach to collateral
We never sell collateral quietly and automatically. We prioritize communication and provide multiple notifications before any manual collateral action is even considered.When Earn fits
The Earn program fits when you hold coins that are sitting idle and want to generate an ongoing return. You earn daily interest in the same asset, reinvested automatically — flexible at 2.5% p.a. or fixed at 3% p.a., guaranteed for the first year. Your assets remain yours and are withdrawable on request.
Loan and Earn compared
| Criterion | Crypto loan | Earn program |
|---|---|---|
| Your goal | Liquidity without selling. | A return on coins you hold. |
| You give | Collateral that is locked. | A deposit that earns interest. |
| You receive | A payout in USDT, USDC, BTC or ETH. | Daily interest in the same asset. |
| Interest | You pay interest (accrues daily). | You earn interest (daily, reinvested). |
| Availability | Coins released after full repayment. | Flexible any time (flexible plan). |
| Price risk | Remains; LTV is monitored. | Remains. |
Can you combine both?
Yes. The two products are independent. You can earn interest on part of your holdings in the Earn program and take out a crypto loan against other coins when needed. That keeps one part productive while another raises short-term liquidity.
Your decision in three questions
- Do I need cash now? If yes, that points to the crypto loan.
- Are my coins just sitting idle? If yes, Earn can turn them into a return.
- How much does availability matter? The flexible Earn plan and anytime repayment on the loan offer the most room here.
Model both routes with no obligation: in the loan calculator or the Earn calculator.
Frequently asked questions
Yes. For example, you can earn interest on part of your coins in the Earn program and take out a crypto loan against another part — or different coins. The two products are independent of each other.
In the same asset the loan was paid out in (USDT, USDC, BTC or ETH). The outstanding balance is tracked in US dollars; your loan status page shows the equivalent amount in the loan asset and the wallet to repay to.
Yes. With both the loan (via the loan-to-value ratio) and Earn, the price risk of your asset remains. Neither product removes market volatility.
Ready to borrow against your coins?
Calculate your possible loan amount in seconds, or start your application directly — your coins stay yours.
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.