The ability to unlock liquidity without selling crypto is one of the most useful innovations in digital finance. Whether you need funds for trading, investing, or everyday use, crypto loans let you access cash while keeping your long-term holdings intact.
Below are the top five crypto loan providers that combine low rates, flexible terms, and strong security. At the top of the list is Clapp, a licensed platform reshaping how users borrow against crypto.
1. Clapp — Regulated Crypto Exchange With Built-In Credit Lines
Highlights:
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Licensed crypto exchange (VASP-certified in the EU)
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Fiat-to-crypto bridge for buying or cashing out in EUR
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Crypto-backed credit lines using single assets or whole portfolios
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Built-in portfolio management with auto-rebalancing and backtesting
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Fireblocks custody for institutional-grade security
Review:
Clapp.finance stands out for combining crypto-to-fiat trading, portfolio management, and credit lines within a single regulated environment. Its crypto-backed loans let users borrow instantly without selling their assets, using either individual tokens or diversified portfolios as collateral.
Because Clapp operates under an EU license and uses Fireblocks for custody, users benefit from both regulatory clarity and institutional-level security. The platform’s fiat bridge makes it especially attractive for European users who want to move between crypto and EUR seamlessly.
2. Nexo — Established Centralized Lender With Competitive Rates
Highlights:
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Instant crypto-backed loans with up to 50% LTV
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Option to borrow in fiat, stablecoins, or NEXO tokens
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Interest discounts for loyalty-tier users
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Regulated entity with audited reserves
Review:
Nexo is one of the most recognized names in CeFi lending. It offers flexible borrowing options and supports a wide range of crypto assets. The interface is beginner-friendly, and users can enjoy lower rates if they hold NEXO tokens.
However, since it’s a centralized provider, borrowers must trust Nexo with custody of their collateral — a point to weigh if you prefer self-custody or DeFi transparency.
3. Aave — Decentralized Option for Smart Contract-Based Lending
Highlights:
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Fully decentralized; no intermediaries
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Borrow stablecoins or other tokens using crypto collateral
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Transparent interest rates set by the protocol
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Advanced users can supply liquidity and earn yield
Review:
For users who prefer on-chain solutions, Aave offers an open, permissionless lending environment. Loans are managed through smart contracts rather than a company, and all transactions are verifiable on Ethereum or other supported chains.
The downside? You need to understand DeFi mechanics — from gas fees to liquidation thresholds. But for experienced users, Aave remains the gold standard of decentralized lending.
4. YouHodler — High LTV Ratios and Multi-Asset Collateral Support
Highlights:
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Up to 90% LTV for certain assets
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Borrow in stablecoins or fiat
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Supports multiple crypto collaterals
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Easy web and mobile access
Review:
YouHodler is popular for its generous LTV options, allowing users to borrow more against their holdings. The platform caters to active traders and those who want to squeeze maximum liquidity from their portfolios.
The trade-off is that higher leverage increases liquidation risk if markets drop, so it suits users who monitor positions closely.
5. Binance Loans — Trusted Exchange With Deep Liquidity
Highlights:
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Crypto-backed loans from the world’s largest exchange
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Wide selection of collateral and borrowing assets
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Flexible terms with daily interest
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Option to reinvest borrowed funds in the Binance ecosystem
Review:
Binance brings its exchange liquidity and brand strength into the lending space. Its crypto-loan product is straightforward and integrates well with its trading platform.
The main advantage is convenience — users can move collateral and borrowed assets within the Binance ecosystem instantly. However, regional restrictions and identity verification requirements apply.
Final Thoughts
Crypto lending has evolved into a competitive market offering a wide range of options — from regulated CeFi platforms like Clapp and Nexo to on-chain solutions like Aave.
Clapp stands out for its integrated ecosystem and EU licensing, while others like Nexo and Aave offer maturity and user familiarity. Ultimately, the right platform depends on your priorities — whether it’s regulation, decentralization, high LTV, or convenience.
Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.