If you don't want to get rid of your cryptos but would like to unlock a cash loan with them, Crypto Loans are a new alternative in the DeFi space. Crypto Loans allow you to access money while continue holding your Crypto stake.

YouHodler es una firma suiza que ofrece préstamos en efectivo tomando Criptomonedas como activo colateral

What are crypto loans?

Crypto lending platforms open a revolving door for users: they allow you to:

  • Provide liquidity to the protocol: You may deposit your Crypto to earn interest.

  • Access a Loan with your cryptos as collateral: Hodlers may consider crypto lending granting access to fiat cash liquidity without selling your cryptocurrencies. You may also borrow Crypto with your Crypto as collateral to trade, use leverage, futures, withdraw or spend the money.

Empresario abriendo cerrojo del celular para liberar moneda

How to Borrow Cash or Crypto using Cryptocurrencies as Collateral

  1. Choose the type of platform (Protocol) you are going to use. As always in Crypto, you can manage with centralized (CeFI) or decentralized (DeFi) protocols. CeFi apps issue loans that emulate traditional banking infrastructure and regulations. For example, CeFi apps have regulatory protocols such as Know Your Customer (KYC) and Anti Money Laundering (AML); they frequently use Cold Wallets and offer deposit insurance. On the other hand, crypto loans in DeFi do not have custody or integrate regulatory protocols, so they only require a deposit guarantee to receive a loan.

  2. Once the protocol is selected, choose the app and create an account.

  3. Deposit your Crypto and apply them to a Loan. You will have to choose the currency you want to borrow, opting for a percentage of the cryptocurrency value in your account. Usually, you may access 40% of your crypto value.

  4. Once you get your cash, you can repay it with monthly instalments and pay off the balance when ready.

Top Crypto Lending Platforms

  • YouHodler: YouHodler is an EU, and Swiss-based FinTech focused on crypto-backed lending with fiat (USD, EUR, CHF, GBP), Crypto (BTC) and stablecoin loans (USDT, USDC, TUSD, PAX, PAXG, DAI, HUSD), crypto/fiat and crypto/crypto conversions, as well as high-yield crypto-saving accounts (crypto-rewards & staking). The platform supports BTC, BCH, BNB, ETH, LTC, XLM, XRP, DASH, HT, REP and other popular cryptocurrencies and tokens.

  • Coinbase: Coinbase allows you to borrow 30% of your balance, with a minimum of $2,000. You will pay 8% APR, without any credit check.

  • Binance: The largest Crypto market also has the alternative of getting a loan. On Binance, you can request up to 65% of your collateral value, with a maximum period of 180 days. Borrowed assets can be used for any transaction and may be withdrawn.

Risk Warning:

By investing in or trading financial instruments, commodities and any other assets, you are taking a high degree of risk. You can lose all your deposited money. You should only engage in any such activity if you are fully aware of the relevant risks.

Contracts for Difference ("CFDs") are leveraged products and carry a high level of risk to your capital as prices may move unexpectedly against you. Losses can exceed your deposits, and you may be required to make further payments. 74 - 89% of retail clients lose money when trading CFDs. You should consider whether you can afford the high risk of losing your money. These products may not suit all clients; therefore, ensure you understand the risks and seek independent advice.





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