Pro: Instant crypto loan

🟢 Why choose loans?

Loans offers instant, secure, and transparent cryptocurrency-backed loans, allowing you to unlock liquidity without selling your assets. Whether you need short-term funds or long-term flexibility, Loans provides a risk-managed solution with competitive terms.

🔹 Key features

⚡ Instant crypto loans

• Borrow against your crypto in minutes — no credit checks or lengthy approvals.
• Keep exposure to your assets while accessing liquidity.

⏳ Unlimited loan terms

• Repay anytime — whether in hours, days, or years. No fixed deadlines.
• Full control over your loan duration.

💳 No monthly payments

• Interest accrues monthly but is only paid when you close the loan.
• No pressure for recurring payments.

🔒 Secure collateral storage

• Collateral is held in dedicated wallets with monthly key rotation.
• No rehypothecation — your assets stay safe.

📉 Protection against market volatility

• Fixed repayment amount: Get back the exact collateral amount you deposited, plus APR.
• No surprises — even if crypto prices fluctuate.

💰 Loan-to-value (LTV) ratio: 80%

• Borrow up to 80% of your collateral’s value (e.g., deposit 1 BTC → borrow 0.5 BTC worth of stablecoins).

📈 Fixed APR: 10%

• No variable rates — predictable costs from day one.

⚡ Fast & Efficient Processing

• Loan approval in 5-10 minutes (depends on blockchain confirmations).
• Quick collateral release upon repayment.

🚀 Who should use loans?

✔ Traders – Access liquidity without selling your holdings.
✔ HODLers – Avoid taxable events while getting cash flow.
✔ DeFi Users – Leverage assets without complex protocols.

📌 Example scenario:

• You deposit 1 ETH as collateral.
• You receive 50% of its value in stablecoins (e.g., USDT, USDC).
• Repay anytime — only 10% APR applies when closing the loan.
• Get back your full 1 ETH (no price impact).

More information about Crypto loans here.