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Borrow against your Polkadot without selling it

Access liquidity while keeping your DOT position.

Open a credit line

0% APR at low LTV

0% APR when your Loan-to-Value (LTV) ratio stays below 20%. T&C apply.

Polkadot as collateral

Use Polkadot as collateral at up to 30% LTV.

How it works

  1. 1. Deposit collateral

    Move Polkadot into your credit line as collateral.

  2. 2. Draw only what you need

    Interest only accrues on the funds you actually draw. An open but unused line costs 0%. T&C apply.

  3. 3. Rate follows your risk

    Your borrowing rate is floating and tied to your LTV — lower risk means a lower rate.

  4. 4. Repay on your terms

    No credit checks, no fixed monthly payments. Repay any amount, anytime. T&C apply.

Estimated Total Credit Line
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Collateral Value
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To open a Credit Line, choose which Assets you'd like to use as Collateral.
Stay ahead of margin calls
Smart alerts notify you if your LTV nears critical levels, giving you time to top up collateral.

Security and compliance

Your assets are protected by Fireblocks institutional-grade MPC custody.

Clapp is a technology platform that delivers its crypto-related services through licensed entities, and compliance obligations such as AML/CFT are handled by the relevant entities depending on jurisdiction.

Frequently asked questions

Is borrowing against my Polkadot a taxable event?+

Borrowing against your assets is generally not a taxable event, meaning you can access liquidity without triggering capital gains. Consult a tax professional in your jurisdiction.

What does an open but unused credit line cost?+

Interest only accrues on the funds you actually draw. An open but unused line costs 0%. T&C apply.

How is my borrowing rate determined?+

Your borrowing rate is floating and tied to your LTV — lower risk means a lower rate.

What happens if my LTV gets too high?+

Smart alerts notify you if your LTV nears critical levels, giving you time to top up collateral.

Who provides Clapp's services?+

We operate through a broad group structure that includes an EU entity pursuing MiCA authorisation, alongside other licensed and operational entities in the jurisdictions where we provide services. The relevant services continue to be delivered through the applicable entities and regulatory frameworks.

What is Polkadot (DOT)?

Polkadot (DOT) is a multi-chain blockchain platform developed by Dr. Gavin Wood, co-founder of Ethereum, aimed at enabling different blockchains to work together in a secure and scalable environment. By connecting multiple blockchains, Polkadot enhances interoperability and allows data to be shared seamlessly across networks.

The platform’s unique architecture includes a central relay chain and multiple parachains, which support high transaction throughput and flexibility for diverse blockchain applications.

Polkadot’s native token, DOT, is used for governance, staking, and bonding, giving holders a say in network updates and allowing them to earn rewards by securing the network. DOT is also required to support the addition of new parachains, driving network expansion.

With its focus on interoperability and decentralized governance, Polkadot is set to play a significant role in the development of Web3, where applications can operate across multiple blockchains in a unified ecosystem.

Crypto-assets are high risk and highly volatile; you can lose all invested funds. Crypto-assets are not legal tender and are not covered by deposit guarantee or investor compensation schemes.