The ability to unlock liquidity without selling crypto is one of the most useful innovations in digital finance. Whether you need funds for trading, investing, or everyday use, crypto loans let you access cash while keeping your long-term holdings intact.
Below are the top five crypto loan providers that combine low rates, flexible terms, and strong security. At the top of the list is Clapp, a licensed platform reshaping how users borrow against crypto.
1. Clapp — Regulated Crypto Exchange With Built-In Credit Lines
Highlights:
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Licensed crypto exchange (VASP-certified in the EU)
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Fiat-to-crypto bridge for buying or cashing out in EUR
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Crypto-backed credit lines using single assets or whole portfolios
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Built-in portfolio management with auto-rebalancing and backtesting
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Fireblocks custody for institutional-grade security
Review:Clapp.finance stands out for combining crypto-to-fiat trading, portfolio management, and credit lines within a single regulated environment. Its crypto-backed loans let users borrow instantly without selling their assets, using either individual tokens or diversified portfolios as collateral.
Because Clapp operates under an EU license and uses Fireblocks for custody, users benefit from both regulatory clarity and institutional-level security. The platform’s fiat bridge makes it especially attractive for European users who want to move between crypto and EUR seamlessly.
2. Nexo — Established Centralized Lender With Competitive Rates
Highlights:
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Instant crypto-backed loans with up to 50% LTV
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Option to borrow in fiat, stablecoins, or NEXO tokens
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Interest discounts for loyalty-tier users
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Regulated entity with audited reserves
Review:Nexo is one of the most recognized names in CeFi lending. It offers flexible borrowing options and supports a wide range of crypto assets. The interface is beginner-friendly, and users can enjoy lower rates if they hold NEXO tokens.
However, since it’s a centralized provider, borrowers must trust Nexo with custody of their collateral — a point to weigh if you prefer self-custody or DeFi transparency.
