Borrow Against Your Crypto. From 6.0% APR.
Keep your crypto. Keep your upside. Get stablecoins (USDT, USDC) — without selling, without capital gains tax, and without the rates other platforms charge.
Clend Vault
Total Secured Value
$78,050.00
- Bitcoin: 0.85 BTC
- Ethereum: 6.5 ETH
Active Credit
- Available Liquidity: $46,830.00
- Annual Rate: From 6.0% APR
Supported Collateral Assets
Bitcoin
Ethereum
Solana
USDT
USDC
+ 15 More Assets (SHIB, DOGE, etc...)
Industry-Leading Rates, No Strings Attached
Traditional crypto lenders charge exorbitant premiums. Clend offers transparent rates starting at 6.0% APR—no required platform tokens, no hidden spreads. Designed for serious holders.
The Clend Standard
- From 6.0% APR
- Up to 90% LTV (asset-dependent)
- No Native Token Requirement
- 1 Year Term
Retail Industry Averages
| Provider | Rate Range |
|---|---|
| Nexo | 1.9% – 18.9% APR |
| Ledn | 9.99% – 11.49% APR |
| Standard CeFi Lenders | 8.0% – 15.0% APR |
Competitor rates reflect published ranges as of 2026 and may vary based on loan size, tier, and market conditions.
How We Offer Rates from 6.0% APR
- Zero Middlemen. Traditional platforms add layers of middlemen costs on top of their base rates—and pass that burden on to you. We bypass them completely.
- Lean Operations. 100% digital processing with zero physical branch overhead or retail marketing spend.
- Pawn-Style Model. No risky lending games. We securely hold your assets, keep our costs low, and pass the savings directly to you.
Capital Efficiency
60% Cost Reduction Compared to the retail industry average of 15% APR.*
The Process
How It Works
- Account Registration & KYC: Register by providing basic information and submitting your identity verification documents.
- Execute Basic Contract: After KYC completion, review your borrowing terms (amount, interest rate, duration, etc.) and sign the contract.
- Deposit Collateral & Receive Funds: Deposit your digital assets. Stablecoins (USDT, USDC) will be transferred to you as fast as the same day.
Loan Simulator
Get stablecoins instantly without selling your crypto.
Supported Assets and Rates
| Collateral Asset | Max LTV | Monthly Interest Rate | Annual Rate (APR) |
|---|---|---|---|
| Bitcoin (BTC) | 60% | 0.50% | 6.0% |
| Ethereum (ETH) | 60% | 0.60% | 7.2% |
| Ripple (XRP) | 40% | 0.70% | 8.4% |
| Solana (SOL) | 40% | 0.70% | 8.4% |
| Tether (USDT) | 90% | 1.20% | 14.4% |
| USD Coin (USDC) | 90% | 1.20% | 14.4% |
LTV will increase gradually as unpaid interest is compounded into your loan balance.
Smart Wealth Strategies
Clend is built for investors who understand that selling appreciating assets for cash creates an inefficient, massive tax burden.
Real Estate Acquisition
Access stablecoins against your digital assets without triggering capital gains tax, while maintaining 100% of your crypto portfolio’s future upside.
Emergency Liquidity
Medical bills, unexpected expenses, or urgent opportunities — access stablecoins typically within one business day without touching your portfolio.
Buy The Dip
Don't miss sudden market opportunities because your capital is tied up. Access deep liquidity starting at 6.0% APR to accumulate more assets or diversify your portfolio.
Uncompromising Security
Your assets deserve the same protection as the world's most secure financial institutions. Clend partners with industry leaders to deliver zero compromise on security.
- Fireblocks MPC-CMP Enterprise-grade multi-party computation eliminates single points of failure.
- Hardware Security Modules Keys are generated and stored in specialized HSMs.
- Audited Infrastructure Fireblocks infrastructure is SOC 2 Type 2 compliant and subject to regular third-party audits.
Frequently Asked Questions
- What happens if my LTV exceeds the threshold? If your LTV exceeds the liquidation threshold of 90% of the loan amount due to accumulated interest, liquidation procedures may apply.
- Are there any hidden fees or prepayment penalties? Zero. Rates starting at 6.0% APR (0.50% monthly) are the only fee. There are no origination fees and no withdrawal fees.
- How quickly are funds disbursed? Once your collateral deposit is confirmed on the blockchain and contract procedures are finalized, stablecoin disbursements (USDT, USDC) are processed swiftly, with funds typically available within one business day.
- What happens to my loan if I can't repay at maturity? At maturity, you can repay in full to reclaim your collateral. If repayment is not possible, your collateral is used to settle the outstanding balance.
- What are the minimum and maximum borrowing limits? The minimum borrowing amount is 30,000 USDT (or 30,000 USDC). The standard maximum borrowing limit is 100,000 USDC (or 100,000 USDT).
- Is Clend available in my country? Clend is available in most countries worldwide.