crypto.loans

Crypto.com ADAloan: rates, LTV & how to borrow

Can I borrow against ADA on Crypto.com?
Yes — you can borrow against Cardano (ADA) on Crypto.com at 1–8% APR with up to 50% LTV, on a in-house basis with KYC.
Borrow on Crypto.com

Crypto.com accepts Cardano (ADA) as loan collateral. Cardano's ADA is accepted as collateral by select CeFi crypto lenders. On Crypto.com you can borrow USDC, BTC, ETH against your ADA at 1–8% APR, up to a maximum loan-to-value of 50%, on a in-house basis.

To borrow against ADA on Crypto.com you open an account, complete identity verification, deposit your ADA as collateral, and draw a loan. Crypto.com uses a in-house model, so consider how it secures collateral before committing a large ADA position.

Cardano's price volatility is the main driver of liquidation risk on a Crypto.com loan, which is why the 50% maximum LTV exists. Borrowing well below it — and adding collateral or repaying when ADA falls — keeps your position out of the liquidation zone. Crypto.com sources its rates on a verified, manually-tracked basis.

How to borrow against ADA on Crypto.com

  1. 1Create a Crypto.com account and complete identity verification (KYC).
  2. 2Deposit your Cardano (ADA) as collateral.
  3. 3Choose your loan amount up to 50% LTV and receive USDC, BTC, ETH.
  4. 4Repay under Crypto.com's terms to reclaim your ADA. Add collateral or repay early if ADA falls toward the liquidation level.

How Crypto.com compares for ADA

3 platforms in our index accept ADA as collateral. On borrow rate, Crypto.com ranks 1st of 3 — the cheapest ADA loan we track. The table below puts Crypto.com next to its closest ADA alternatives so you can weigh rate against custody and LTV.

Crypto.comCeFi
Borrow APR
1–8%
Max LTV
50%
KYC
Required
Custody
In-house
Apply
CoinbaseCeFi
Borrow APR
4–12%
Max LTV
86%
KYC
Required
Custody
Hybrid (on-chain)
Apply
YouHodlerCeFi
Borrow APR
5.9–12%
Max LTV
90%
KYC
Required
Custody
Third-party
Apply

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Frequently asked questions

Can I borrow against ADA on Crypto.com?
Yes. Crypto.com accepts Cardano (ADA) as collateral, letting you borrow USDC, BTC, ETH against it at 1–8% APR, up to 50% loan-to-value.
What is the interest rate for a Crypto.com ADA loan?
Crypto.com's borrow APR is 1–8%. Confirm the current rate on the platform before borrowing, as terms can change.
Does borrowing against ADA on Crypto.com require KYC?
Yes. Crypto.com requires identity verification to borrow against ADA.
What happens if my ADA collateral drops in value?
If your ADA falls far enough that your loan-to-value crosses Crypto.com's liquidation threshold, part of your collateral can be sold to repay the loan. Keep a buffer below the 50% maximum LTV to reduce that risk.

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