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Crypto-Backed Loans: Use Your Crypto as Collateral, Keep Ownership

Every Clapp loan is secured by your own crypto: a broad list of supported collateral assets, transparent LTV limits for each of them, real-time monitoring — and no forced selling while your LTV stays healthy. T&C apply.
See Your Borrowing Limit

What Is a Crypto-Backed Loan?

A loan secured by crypto you already own
A crypto-backed loan is a loan secured by cryptocurrency you already own: instead of selling your assets to raise cash, you pledge them as collateral, borrow against their value, and receive them back in full when the loan is repaid. Because the lender holds collateral, there is no credit check and rates are lower than for unsecured borrowing; how much you can borrow is defined by the loan-to-value (LTV) limit of each asset. On Clapp, a crypto-backed loan takes the form of a credit line: your collateral sets the limit, and you draw euros or stablecoins from it whenever you need funds. T&C apply.
A crypto-backed loan: collateral pledged, ownership kept

Supported Collateral Assets and Their LTV Limits

Each asset has its own maximum loan-to-value ratio: stable assets carry the highest limits — up to 90% for stablecoins such as USDC — while more volatile assets carry lower ones. The live catalog below shows the current cap for every supported asset.

How LTV Works — and What the Liquidation Threshold Means

One ratio defines how much you can borrow — and how safe the position stays.

  • LTV is your borrowing ratio

    LTV (loan-to-value) is the share of your collateral's value that you have borrowed: take 3,000 EUR against 10,000 EUR worth of BTC, and your LTV is 30 percent — well below the per-asset maximum.

  • Two numbers matter

    The first is the maximum LTV you can borrow at, set per asset in the catalog above. The second is the liquidation threshold shown in your dashboard: if a falling market pushes your LTV up to that level, part of the collateral is sold automatically to bring the position back to safety.

  • You stay in control

    You see your LTV in real time and can lower it at any moment by adding collateral or repaying part of the loan — long before the threshold is ever reached.

Combine Multiple Assets in One Loan

One basket, one limit

You are not limited to a single asset: several supported assets can secure one credit line at the same time, and your borrowing limit is calculated across the whole basket. The calculator below shows the live limit for any mix.

Diversification steadies your LTV

A diversified collateral basket makes your LTV less sensitive to the price swings of any single asset — one dip matters less when the rest of the basket holds.

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
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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.

Still Have Questions?

The Clapp support team is there in the app whenever you need help with collateral, limits or repayments.

Frequently Asked Questions

Can I use Bitcoin as collateral for a loan?+

Yes — BTC is supported with a maximum LTV of 70%. ETH, stablecoins and the rest of the supported list are available as well, each with its own limit.

Do I keep ownership of my crypto?+

Yes. The collateral remains your property and is held in institutional custody secured by Fireblocks while the loan is open. It is returned in full once you repay.

What happens if the price of my collateral drops?+

Your LTV rises and you see it in real time. You can add collateral or repay part of the loan at any moment; only if your LTV reaches the liquidation threshold shown in your dashboard is part of the collateral sold automatically.

What can I borrow against my crypto?+

Euros or stablecoins. EUR is paid out via SEPA Instant to your bank account, and stablecoins go straight to your wallet.

What is a safe LTV to borrow at?+

There is no single answer, but the trade-off is transparent: at 20% LTV or below the rate is 0% APR, and the distance to the liquidation threshold is at its widest. T&C apply.

Can I add collateral after opening the loan?+

Yes. You can add supported assets to your collateral basket at any time to raise the limit or bring your LTV down, and smart alerts notify you if your LTV nears critical levels, giving you time to top up collateral. T&C apply.

Put Your Crypto to Work as Collateral

Deposit BTC, ETH or stablecoins, see your borrowing limit instantly, and draw funds when you need them — from 0% APR at low LTV. T&C apply.

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