Instant Crypto Credit Line: Access Cash Without Selling Your Crypto
Why Open a Credit Line Instead of Taking a Loan
Pay Only for What You Use
Interest only accrues on the funds you actually draw. An open but unused line costs 0%. T&C apply.
Repay on Your Schedule
No credit checks, no fixed monthly payments. Repay any amount, anytime. T&C apply.
Keep Your Crypto
You borrow against your assets instead of selling them, so your position stays intact and returns to you in full once the loan is repaid.
Multi-Collateral Limit
Combine multiple supported assets in one credit line to increase your borrowing power. The calculator below shows the live limit for your exact mix.
Euros via SEPA Instant
Draw euros straight to your bank account via SEPA Instant, typically within seconds, or draw stablecoins to your wallet.
Smart LTV Alerts
Smart alerts notify you if your LTV nears critical levels, giving you time to top up collateral.
What Is a Crypto Loan?
How to Get a Crypto Loan on Clapp
1. Deposit collateral
Transfer BTC, ETH, stablecoins or other supported collateral assets to your Clapp Wallet.
2. Open your credit line
Your borrowing limit is calculated instantly from your collateral value and its loan-to-value (LTV) cap.
3. Draw funds when needed
Draw euros or stablecoins. EUR withdrawals reach your bank account via SEPA Instant, typically in seconds.
Crypto Loan Rates: APR Depends on Your LTV
Lower LTV, lower rate
The zero-rate zone
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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Supported Collateral Assets
Each asset has its own maximum loan-to-value cap — up to 70% for BTC — and the live catalog below shows the current LTV for every supported asset, updated straight from the product.
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%
Still Have Questions?
Reach the Clapp support team from the app whenever you need help with your credit line — from opening a limit to managing collateral.
Frequently Asked Questions
Do crypto loans require a credit check?+
No — the loan is secured by your collateral, so your credit history is not checked and borrowing does not affect it. T&C apply.
How fast can I get the funds?+
The credit line opens within minutes after collateral is deposited. EUR withdrawals go out via SEPA Instant and typically arrive in seconds.
How much can I borrow?+
It depends on the collateral: each asset has its own maximum LTV — up to 70% for BTC, 60% for ETH and 90% for stablecoins such as USDC. The calculator above shows your exact limit for any mix.
What happens if my collateral drops in value?+
Your LTV rises. Clapp shows it in real time, and smart alerts warn you as it approaches critical levels so you can top up collateral. If it reaches the liquidation threshold shown in your dashboard, part of the collateral may be sold to protect the position.
How do I repay a crypto loan?+
On your own schedule — partially or in full, with no penalties. You can repay in cash, in stablecoins, or from your collateral. T&C apply.
Is borrowing against crypto 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.