crypto.loans

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

Can I borrow against BTC on Crypto.com?
Yes — you can borrow against Bitcoin (BTC) 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 Bitcoin (BTC) as loan collateral. Bitcoin is the largest cryptocurrency by market cap and the most widely accepted collateral for crypto-backed loans. On Crypto.com you can borrow USDC, BTC, ETH against your BTC at 1–8% APR, up to a maximum loan-to-value of 50%, on a in-house basis.

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

Bitcoin'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 BTC falls — keeps your position out of the liquidation zone. Crypto.com sources its rates on a verified, manually-tracked basis.

How to borrow against BTC on Crypto.com

  1. 1Create a Crypto.com account and complete identity verification (KYC).
  2. 2Deposit your Bitcoin (BTC) 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 BTC. Add collateral or repay early if BTC falls toward the liquidation level.

How Crypto.com compares for BTC

13 platforms in our index accept BTC as collateral. On borrow rate, Crypto.com ranks 1st of 13 — the cheapest BTC loan we track. The table below puts Crypto.com next to its closest BTC 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
NexoCeFi
Borrow APR
1.9–18.9%
Max LTV
50%
KYC
Required
Custody
Third-party
Apply
AaveDeFi
Borrow APR
4–8%
Max LTV
80%
KYC
No KYC
Custody
Self-custody
Apply
CoinbaseCeFi
Borrow APR
4–12%
Max LTV
86%
KYC
Required
Custody
Hybrid (on-chain)
Apply

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Frequently asked questions

Can I borrow against BTC on Crypto.com?
Yes. Crypto.com accepts Bitcoin (BTC) 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 BTC 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 BTC on Crypto.com require KYC?
Yes. Crypto.com requires identity verification to borrow against BTC.
What happens if my BTC collateral drops in value?
If your BTC 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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