Blockchain.com: Borrow cash. Keep your crypto

Use your BTC or ETH as collateral and borrow stablecoins in minutes. All without selling a single coin or giving up that long-term upside you’ve been hodling.

What you need to know

We’re building a better way of doing crypto lending. Here’s what you get.

Cash in hand in minutes

Pledge your BTC or ETH, draw down USDC, and the funds land in your Trading Account instantly. Ready to trade, transfer, or withdraw.

One trusted home for your crypto

Borrow, trade, earn, and self-custody.

All in the app you already use. Backed by Blockchain, one of crypto’s oldest and most trusted names since 2011.

Don’t sell what you believe in

Selling crypto can mean an end of your upside. A loan unlocks the cash you need today while your portfolio keeps working for tomorrow.

Unlock tax-efficient borrowing

Borrowing against your crypto may avoid the taxable events associated with selling the asset. Please also check your individual circumstances with a qualified tax advisor.

How borrowing works

Use your crypto as collateral to unlock liquidity in a few simple steps

1.Deposit BTC or ETH into your Collateral Account

The more you pledge, the more borrowing power you unlock – up to 50% of your collateral’s value at launch.

  1. Receive borrowing power based on your collateral value

Choose how much USDC you want to borrow. You’ll see your interest rate, your LTV, and your liquidation price before you confirm. No surprises.

  1. Borrow USDC instantly

USDC arrives in your Trading Account, ready to trade, send, or withdraw. Repay anytime, in part or in full. No fixed schedule. No monthly minimums.

  1. Withdraw your crypto or cash to your bank

Withdraw your borrowed funds directly to your crypto wallet or bank account.

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