Borrow at 0% Interest
Zero cost if your Loan-to-Value (LTV) ratio stays below 20%. The most cost-effective way to access liquidity.
Always on Hand
Our revolving credit line is available 24/7. Use it as a reliable source of capital whenever opportunities arise.
Tax-Efficient Borrowing
Get started with a single KYC in minutes! Clapp provides immediate access to all crypto markets.
Flexible Repayment Schedule
No fixed monthly payments. Repay any amount, anytime. Unlike a traditional term loan, you control the schedule.
Easily Swap Collateral
Add, remove, or replace assets in your collateral basket anytime. Lock in gains without refinancing your entire loan.
React to Market Opportunities
Use your crypto credit line to buy the dip or diversify your portfolio without liquidating your long-term positions.
Instant Approval & Funding
Draw from your pre-approved credit line immediately. No credit checks, no paperwork, and no waiting periods.
Pay Less as You Repay
Floating rates drop automatically as you reduce your balance. Your borrowing costs adjust instantly with your usage.
Margin Call Protection
Smart alerts notify you if your LTV nears critical levels, giving you time to top up collateral and sleep easy.
How to Open a Credit Line
No applications, no waiting. Instant access to one or more flexible, revolving lines of credit in 3 simple steps.
1. Activate & Deposit
Tap to activate your line and select assets (BTC, ETH, SOL) for your collateral basket.
2. Instant Draw
Withdraw USDT, USDC, or EUR up to your limit directly to your Clapp Wallet or your bank account via SEPA with personal IBAN.
3. Repay Flexibly
Repay on your own schedule. Add or remove collateral anytime to manage your LTV ratio.
Calculate Your Credit Line Instantly
Select your borrowing currency. Activate by choosing 1–25 assets for multi-asset collateral to unlock the maximum Credit Line. You can edit data and view the full Credit Line summary anytime.
- Estimated Total Credit Line
- 0 EUR
Clapp Credit Line Beats Any Crypto Loan
Clapp's credit lines are always on hand, rising along with your balance. Only pay for what you use and access funds instantly — all while keeping your assets working for you.
Assets Accepted as Collateral
LTV (Loan-to-Value) measures how much of the collateral's value is borrowed. The higher the LTV, the greater the risk.
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%
Access 24/7 support
Need help? Clapp's expert team is ready to assist anytime, ensuring your experience is smooth and hassle-free.
Frequently Asked Questions
How does interest work on my credit line?+
Unlike a term loan, you only pay interest on the funds you actually withdraw. If your line is open but unused, you pay 0% APR. Active interest rates are dynamic based on your Loan-to-Value (LTV) ratio—lower risk means lower rates.
Is borrowing against crypto a taxable event?+
Generally, borrowing against your assets is not considered a sale, meaning it is typically a tax-efficient way to access liquidity without triggering capital gains taxes. We recommend consulting a tax professional for your specific jurisdiction.
Are there fixed monthly payments?+
No. Clapp gives you full repayment flexibility. Pay back any amount, anytime, and your interest automatically adjusts as you repay.
Can my interest rate change over time?+
Yes. Our rates are risk-based and floating. The more you borrow relative to your collateral (higher LTV), the higher the interest rate; the less you borrow (lower LTV), the lower your rate.
Can I change my collateral after drawing funds?+
Yes! With Clapp, you can easily add, remove, or swap assets in your collateral basket — even after drawing funds. Lock in gains on one asset and use another to back your credit line, all without complicated refinancing.
How do I avoid a margin call?+
A margin call occurs if your collateral value drops significantly. Clapp provides automatic alerts to notify you before this happens, allowing you to add collateral or repay part of the balance to stabilize your health factor.
What is LTV and why does it matter?+
LTV (loan-to-value) measures how much you've borrowed compared to the value of your collateral. A lower LTV means a bigger "safety cushion," keeping your credit line secure. For example, if you pledge $10,000 in collateral and borrow $2,000, your LTV is only 20% — a very safe level.
How will I know if my LTV becomes risky?+
We'll notify you if your LTV rises, giving you time to adjust and sleep easy, without surprises.