Savings Loans

Add your review offer 50% LTV loans with no credit checks, with users able to put forward up to 14 crypto assets as collateral. In turn, users choose from 4 assets to receive as a loan: PAX/TUSD/USDC & USDT. This platform has a much lower minimum loan requirement of $100, whereas many competitors usually require in excess of $500+.

Whilst 12% APR on all loaned currencies is an average rate, those staking 50,000 CRO or more must pay only 8% APR. Users can pay back at any time with no early repayment fees. remains one of the few platforms to claim FDIC insurance, with individual wallets covered for up to $250,000 each.

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8.5/10 (Expert Score)
🥇 Product is rated as #1 in category Loans

Founded 2016, now provide services to over 10,000,000 users, whilst never undergoing a security breach or hack. Use your cryptocurrency as collateral and take out a loan with no credit checks. Their rate for standard users sits at an industry average of 12% APR; whereas stakers will enjoy reduced rates of just 8% APR. The latter is a very competitive rate, however requires users to stake a considerable amount. Furthermore, users are limited in choice, with only one loan option; a 50% LTV (with a variable margin call), which is dependant on your "margin score". Users will receive payment, from a choice of 4 assets: PAX/TUSD/USDC & USDT. Although each requiring locking of assets, there are 3 loan terms to choose from, offering varying rates ranging from: flexible, 1 month & 3 months.

This platform supports 14 assets to deposit, including BTC, ETH, LTC, XLM and more. Users can pay back at any time with no early repayment penalties. is one of the few FDIC approved platforms, with each wallet individually insured for up to $250,000. Their team further maintains their own personal $340m insurance coverage. They are also partnered with leading digital asset lenders, Genesis. This platform also has a lower loan requirement than most competitors; with loans starting at $100, much lower than many competitors, who typically require $500+.

Supported Currencies
Interest Rates & Fees
Customer Support
Company Reputation
  • Standard 12% APR
  • Staking options available
  • Approx. 14 deposit assets
  • Competitive 8% APR for stakers
  • No statement deadlines or late fees
  • Low $100 minimum loan requirement
  • Pay back loan at any time with no penalties
  • Never suffered from a hack or security breach
  • FDIC insured for $250,000 per individual wallet
  • Not very competitive loan APR
  • Average rates for non-stakers
  • Only 4 assets to receive: PAX/TUSD/USDC/USDT
  • 1 month & 3 month loan terms require locking of funds
  • Large $40,000 CRO staking requirement for best rates

Specification: Loans

Loan Information
Accepted Collateral , , , , , , , , , , , , ,
Supported Loan currencies
Staking Percentage Up to 4% extra
Loan to Value Ratio (LTV) 50%
Margin Call LTV Margin Score < 1.10, Variable
Maximim loan amount $1,000,000
Minimum loan amount $100
Loan Term 12 months (pay back at any time)
Company & Availability
Headquarters Hong Kong
Year of origin 2016
Number of users 10,000,000
Insurance Coverage Coverage of up to $360M, Personally insured
Previously hacked No
Eligible regions
Excluded regions Afganistan, Algeria, Central African Republic, Cuba, Iran, Libya, Mali, North Korea, Somalia, Sudan, Venezuela, Yemen
Credit Check No
Crypto Loan Rates
Bitcoin APR 12%
Ethereum APR 12%
Litecoin APR 12%
Stellar APR 12%
Asset protection & Insurance
Audited SGS
Cold Storage Yes
Company Backing N/A
FDIC insurance FDIC on balances of up to $250,000 per individual wallet
Insured by FDIC, Personally insured

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