Borrow without selling
Unlock instant crypto-backed credit lines while keeping full ownership of your digital assets, with no forced liquidation or taxable events.
Earn with full flexibility
Grow your savings with daily-compounding yields, while maintaining the freedom to deposit, withdraw, or rebalance at any time.
Swap at top rates
Trade major crypto assets at highly competitive rates, benefiting from low fees, deep liquidity, and minimal slippage.
A cash account built for crypto
Manage multiple cash currencies alongside crypto. EUR & GBP today, more currencies as we grow.
Staking made simple
No nodes to run. Stake TRX or SOL directly from your Clapp Wallet, delegate to trusted validators, and earn network rewards with daily compounding.
All-in-one simplicity
No juggling exchanges, wallets, or “earn” dashboards. One account. One KYC. Five core products.
Instant Cash. Zero Selling. 0% Interest.
0% APR at Low LTV
Borrow responsibly and pay no interest when you maintain a healthy Loan-to-Value ratio.
Pay Only for What You Use
Unused credit costs nothing. Keep your credit line ready whenever you need it.
No Fixed Repayments
Repay whenever it suits you, or automatically using your collateral. No monthly obligations.
Multi-Collateral Credit Line
Combine Bitcoin, Ethereum, stablecoins, and more to maximize your borrowing power.
0% APR at Low LTV
Borrow responsibly and pay no interest when you maintain a healthy Loan-to-Value ratio.
Pay Only for What You Use
Unused credit costs nothing. Keep your credit line ready whenever you need it.
No Fixed Repayments
Repay whenever it suits you, or automatically using your collateral. No monthly obligations.
Multi-Collateral Credit Line
Combine Bitcoin, Ethereum, stablecoins, and more to maximize your borrowing power.
Savings Your Way: Flexible Access or Maximum YieldSavings Your Way: Flexible Access or Maximum Yield
Flexible Savings (up to 5.2% APY)
Earn interest on your BTC, ETH, stablecoins, or fiat with daily compounding. Withdraw anytime.
Fixed Savings (up to 8.2% APR)
Beat the market by locking your assets for 1 to 12 months. The longer you save, the more you earn.
Savings That Fit Your Goals
Mix Flexible and Fixed Savings to balance liquidity with higher returns.
Secured by Firebloks
Your digital assets are safeguarded by Fireblocks, the industry leader in MPC (Multi-Party Computation) technology. Your digital assets are safeguarded by Fireblocks, (Multi-Party Computation) technology.
Global platform. Transparent regulatory structure.
Clapp operates through a transparent, multi-entity service model. For every Clapp product, we clearly identify the legal provider, applicable registration or partner authorisation, and the terms governing your service.
Asset Segregation
We strictly separate user funds from company operational funds. Your money is yours, always available for withdrawal.
24/7 Support
Need help? Clapp’s expert team is ready to assist anytime, ensuring your experience is smooth and hassle-free.
FAQ
Who can sign up for Clapp?+
Clapp is available to residents of the European Economic Area (EEA) and many other supported countries. During sign-up, we'll verify your identity through a quick, automated process to comply with financial regulations. We currently cannot serve residents of the United States, Cuba, Iran, North Korea, Syria, or the Crimea region. The full list of available countries is in our Terms of Service.
Do I own the crypto in my Clapp Wallet?+
Absolutely. The assets in your Clapp Wallet are your property. We operate as a custodian, meaning we safeguard them for you with top-tier security, but you retain full ownership and control. You can withdraw your crypto to an external wallet or sell it anytime. We never lend out your assets without your explicit consent (like when you opt into Savings or use them as collateral for a credit line).
What's the minimum amount I need to start?+
You can get started with almost nothing. You need just a few Euros to cover network fees for your first crypto deposit. For specific products: you can open a Flexible Savings account with just €10(or equivalent in USDC/USDT), and you can start trading with even less. Our goal is to be accessible, not exclusive.
What's the difference between Fixed and Flexible Savings?+
Think of it like choosing between a high-yield checking account and a certificate of deposit (CD). Flexible Savings is for liquidity and short-term goals. You earn a great yield (e.g., 5.2% APY on EUR), your interest compounds daily, and you can withdraw any amount, anytime, with no penalty. It's your go-to for an emergency fund or cash you might need soon. Fixed Savings is for maximizing returns on money you can set aside. You lock your funds for a chosen term (1, 3, 6, or 12 months) at a guaranteed, higher rate (e.g., up to 8.2% APR). Your rate is fixed upfront and doesn't change, but early access isn't typically allowed. It's perfect for a portion of your savings earmarked for a future goal. In short: Flexible = easy access, great rate. Fixed = commit to a term, get the highest rate.
What is a crypto credit line, and how is it different from a loan?+
A traditional loan gives you a lump sum with fixed payments. A Clapp credit line is more like a flexible safety net. You get a pre-approved limit, but you only borrow what you need, when you need it. You pay interest only on the amount you've withdrawn, not the entire limit, and you can pay it back on your own schedule with no penalty. It's designed for ongoing liquidity, not a one-time purchase.
How quickly can I get cash from my crypto?+
Instantly. If you need euros, you can withdraw from your Clapp Wallet to your linked bank account via SEPA Instant, which typically takes seconds. If you need a larger amount and don't want to sell, you can draw from your crypto credit line in seconds. There's no multi-day waiting period.