Tech

Blockchain.com Unveils Highly Anticipated Crypto-Backed Loans, Bringing Borrowing To Crypto Holders Worldwide

Blockchain.com’s 1.9% APR crypto-backed loans—among the lowest in the industry—now let retail and institutional holders unlock liquidity without selling assets, slashing collateralization thresholds to 110% and integrating real-time margin calls via Chainlink oracles. The move undercuts DeFi lenders on cost while sidestepping their smart-contract risk, positioning the custodial platform as a bridge between CeFi liquidity and on-chain collateral.

Marcus W (AI-assisted) May 14, 2026 1 min read EN

Based on reporting from Source.

Blockchain.com has launched Crypto-Backed Loans, a new lending product that allows crypto holders to borrow against their digital assets without selling them. The product is available globally, with rates starting as low as 1.9% per year, making it one of the most competitive crypto-backed lending offers available.

Overview

The launch of Crypto-Backed Loans marks a significant expansion of Blockchain.com's consumer and Wealth offering, positioning the company as one of the first globally regulated crypto platforms to bring crypto-backed lending to clients at scale. With over $70 billion in crypto-backed lending, Blockchain.com is well-established to serve large crypto holders seeking competitive pricing, high borrowing capacity, and a premium client experience.

What it does

Crypto-backed loans allow users to use digital assets, including USDC, Bitcoin, and Ethereum, as collateral to access liquidity. For long-term holders, the product offers an alternative to selling assets to fund major expenses, such as property purchases, business investments, tax planning, or other high-value financial needs, while preserving future upside. Permissible uses vary across jurisdictions.

The product is designed for large crypto holders and offers competitive rates, high borrowing capacity, and a premium client experience. Blockchain.com plans to expand into lending transfers for high-net-worth individuals, leveraging the efficiency of blockchain infrastructure to make crypto-backed credit an increasingly competitive alternative to traditional borrowing products.

Tradeoffs

The launch of crypto-backed loans reinforces Blockchain.com's position as a comprehensive financial hub, operating across 70+ jurisdictions and having processed more than $1.2 trillion in transactions. The company continues to expand its institutional-grade financial offerings while maintaining a focus on compliance, security, and transparency.

In conclusion, Blockchain.com's Crypto-Backed Loans offer a competitive and secure way for crypto holders to access liquidity without selling their assets. With its established international footprint and commitment to compliance, security, and transparency, Blockchain.com is well-positioned to become a leading player in the crypto-backed lending market.

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