Crypto Lombard Loan: Liquidity Against Your Portfolio
What Is a Lombard Loan?
Why a Crypto Lombard Loan
Portfolio Stays Invested
You keep your long-term positions and borrow against them instead of selling, so the portfolio is intact when the line is repaid.
Built for Larger Amounts
Lines start from €50,000 equivalent and are structured individually, which suits institutional and private holders with sizeable portfolios.
LTV for the Whole Basket
Instead of a fixed cap per coin, the credit desk agrees one LTV for your portfolio mix. Diversified top 50 portfolios are reviewed case by case.
Rate Shaped by Risk
A conservative LTV and liquid collateral such as BTC or stablecoins let the desk offer a lower rate.
Flexible Repayment
Repay part or all of the line when it suits you, without an early repayment penalty, and pay interest only on what you draw.
Secured Custody
Pledged assets are kept with institutional custody secured by Fireblocks and its MPC infrastructure.
Classic Lombard, Crypto Lombard and Margin Loans
| What differs | Classic Lombard loan | Crypto Lombard loan on Clapp | Margin loan |
|---|---|---|---|
| What is pledged | Shares, bonds and funds held with a private bank | BTC, ETH, stablecoins and selected altcoins | Securities in the brokerage account |
| What the money is for | Liquidity for the client's own needs | Euros or stablecoins for your business or investments | Usually buying more assets in the same account |
| How the limit is set | A loan-to-value ratio on the portfolio | One LTV agreed for your whole basket | Margin requirements on each position |
| How to start | Through a private banking relationship | Request a term sheet from the credit desk | Open a margin account with a broker |
How to Open a Crypto Lombard Loan
1. Send your portfolio
Share the assets you want to pledge and the amount you need with the credit desk.
2. Receive the terms
A term sheet follows within 24 hours, with the limit, the rate and the portfolio LTV.
3. Pledge and draw
After KYC/KYB, pledge the agreed assets and draw funds, typically on the same business day.
Estimate Your Credit Line
This calculator uses the standard terms of the credit line in the Clapp app. Corporate Lombard-style lines are priced individually, so treat the result as a starting estimate for your portfolio.
- Estimated Total Credit Line
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Assets Accepted as Collateral
Every asset below is accepted as collateral on Clapp, shown with its standard LTV cap. For a Lombard-style corporate line, the credit desk sets one LTV across the whole basket.
EUREuroLTV 90%
USDCUSD CoinLTV 90%
USDTTether USDLTV 90%
PAXGPAX GoldLTV 80%
BTCBitcoinLTV 70%
WBTCWrapped BitcoinLTV 70%
ETHEthereumLTV 60%
BNBBNBLTV 50%
SOLSolanaLTV 50%
XRPXRPLTV 50%
ADACardanoLTV 40%
DOGEDogecoinLTV 40%
TRXTRONLTV 40%
AVAXAvalancheLTV 30%
BCHBitcoin CashLTV 30%
DOTPolkadotLTV 30%
LINKChainlinkLTV 30%
LTCLitecoinLTV 30%
POLPolygonLTV 30%
UNIUniswapLTV 30%
XLMStellarLTV 30%
Discuss Your Portfolio
Send the assets you want to pledge through the corporate credit line form and the credit desk replies within 24 hours. Clapp support is available 24/7.
Crypto Lombard Loan FAQ
What is a crypto Lombard loan?
It is a credit line secured by a pledged portfolio of digital assets, built on the same principle as a private-bank Lombard loan. You pledge BTC, ETH, stablecoins or a mix, and draw euros or stablecoins up to a limit set by the portfolio's value and the agreed LTV.
Why is it called a Lombard loan?
The name goes back to the merchant bankers of Lombardy in northern Italy, who lent money against pledged goods in medieval Europe. Lending against a pledge has been called Lombard lending ever since.
What is the difference between a Lombard loan and a margin loan?
A margin loan is credit from a broker, usually used to buy more assets in the same account, with margin requirements on each position. A Lombard loan gives you liquidity against a pledged portfolio for your own needs. A crypto Lombard loan on Clapp works the second way: you draw euros or stablecoins for your business or investments.
What determines the interest rate on a crypto Lombard loan?
Each corporate line is priced on its own risk rather than on a fixed tier. Two things matter most: how conservative the LTV is and how liquid the pledged assets are, with BTC and stablecoins at the liquid end. The agreed rate is written into your term sheet.
What are the requirements for a crypto Lombard loan?
A portfolio of supported assets to pledge, an amount from €50,000 equivalent, and verification of the company or individual (KYC/KYB). To start, the credit desk only needs a name, contact details, the assets and the amount.
Why does a crypto loan need collateral?
Collateral is what makes the line possible: the limit, the rate and the LTV are all built around the assets you pledge. The more liquid the collateral and the more conservative the LTV, the better the terms the credit desk can offer.