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Crypto-Backed Loans


Custodial Crypto Loans

While DeFi loans have their advantages, custodial loan platforms may offer more in terms of security than DeFi platforms. Custodial platforms also tend to offer lower crypto loan rates. Furthermore, DeFi is still a developing (thus risky) field.


BlockFi is a New Jersey based crypto asset management company. They service customers worldwide, including 47 U.S. states, with interest earning accounts and low cost USD loans backed by crypto.

To get a loan, you can put up bitcoin, litecoin, or ethereum as collateral. 

The company currently offers up to a 50% loan to value (LTV) ratio on your crypto. This means to get a $10,000 worth of loaned assets, you need to put down $20,000 worth in collateral.



Celsius, founded in 2017, is a crypto credit line platform. Their platform functions as a mobile app that allows users to earn interest on stablecoins and a number of cryptocurrencies. Their borrowing interest rates start at 4.95% per year with a minimum loan of $1500. 


The Funding Lab

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