Solana-Backed Loans: Cash Without Selling Your SOL
Need cash but want to keep your Solana? Open a Clapp credit line against it and draw euros or stablecoins whenever you like. The limit for SOL is up to 50% LTV, the rate follows how much of it you use and starts at 0% APR at low LTV, and your coins are held in institutional custody secured by Fireblocks for as long as the line is open.
Why a Solana-Backed Credit Line
SOL is the native asset of the Solana network. A credit line secured by it turns the SOL you already hold into spendable euros or stablecoins, on terms that follow your own loan-to-value ratio.
What Solana is
SOL is the native asset of Solana, a high-throughput blockchain known for fast transactions and a busy ecosystem of trading and payment apps.
Solana as collateral
SOL is one of the larger crypto assets by market value but swings harder than Bitcoin or Ether, and its LTV cap is set with that volatility in mind.
Who borrows against Solana
Active users of the Solana ecosystem and holders who bought SOL as a growth position and want liquidity without exiting it.
How a Solana-Backed Credit Line Works
Three steps from SOL in your wallet to euros in your bank account.
Solana Collateral: Key Terms
| Parameter | Solana (SOL) |
|---|---|
| Maximum LTV | 50% |
| APR range | 0–21.9%, set by your LTV |
| APR at low LTV | 0% at or below 20% LTV |
| You can borrow | EUR, USDC, USDT |
| Repayment | In parts or in full, no fixed schedule |
| Custody while the line is open | Institutional custody secured by Fireblocks |
| Combine with | Other supported collateral assets in the same line |
When the Solana Price Falls
A rising LTV, and two ways to lower it
SOL has a history of large moves in both directions, and double-digit daily swings are not unusual during market stress. Think of LTV as debt divided by collateral value. If SOL drops, the debt stays the same while the collateral shrinks, so the ratio climbs, and you can follow it live in the app. Adding SOL or another accepted asset, or repaying some of the balance, pulls it back down. Collateral is sold only when the ratio hits the liquidation threshold shown in your dashboard, which is why many borrowers keep a comfortable distance from it.
More Collateral to Pair with Solana
One credit line can be secured by several assets at once. Each one has its own LTV limit: stablecoins carry the highest, more volatile coins carry lower ones. The live catalog below shows every asset currently accepted and its limit.
EUREuroLTV 90%
USDCUSD CoinLTV 90%
USDTTether USDLTV 90%
PAXGPAX GoldLTV 80%
BTCBitcoinLTV 70%
WBTCWrapped BitcoinLTV 70%
ETHEthereumLTV 60%
BNBBNBLTV 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%
How Much Can You Borrow Against Solana?
Try different amounts of SOL and see how much you could draw and what your LTV would be, using live prices.
- Estimated Total Credit Line
- —
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 much can I borrow against Solana?
Solana is accepted as collateral at up to 50% LTV, so your available credit is a share of the current market value of the SOL you post. The calculator on this page shows the exact figure for your amount, and the limit moves with the live SOL price while the line is open.
Can I get a loan using Solana without selling it?
Yes. Post SOL as collateral and draw euros or stablecoins against it. You keep your SOL position, and once you repay, the SOL is back in your wallet.
How much interest do I pay on a Solana loan?
It is set by your LTV and sits in the 0–21.9% range. At 20% LTV or below you pay 0% APR on what you have drawn; higher LTV bands cost more. Undrawn credit carries no interest.
Do I have to sell my Solana to get cash?
No. That is the point of borrowing against it: you draw euros or stablecoins while your SOL stays posted as collateral. When you repay, the SOL is back in your wallet.
Can a SOL price drop affect my credit line?
The ratio between your balance and your collateral climbs. You can lower it straight away with more collateral or a partial repayment, and nothing is sold unless the LTV reaches the liquidation threshold shown in your dashboard.
Should I draw my full limit against SOL?
Most borrowers do not. Because SOL can move quickly, drawing only part of your limit leaves a wider buffer to the liquidation threshold and keeps your rate lower too, since the APR depends on your LTV.