[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"article-blockchain-com-launches-crypto-backed-loans-from-1-9-what-investors-need-to-know-en":3,"ArticleBody_BJkQsfaLNCMeVG1dnOBqmNURrBN92jBocqFR6Kzagk":209},{"article":4,"relatedArticles":180,"locale":66},{"id":5,"title":6,"slug":7,"content":8,"htmlContent":9,"excerpt":10,"category":11,"tags":12,"metaDescription":10,"wordCount":13,"readingTime":14,"publishedAt":15,"sources":16,"sourceCoverage":58,"transparency":60,"seo":63,"language":66,"featuredImage":67,"featuredImageCredit":68,"isFreeGeneration":72,"trendSlug":73,"niche":74,"geoTakeaways":77,"geoFaq":86,"entities":96},"6a0a6ea6e92e33c825daa81c","Blockchain.com Launches Crypto-Backed Loans from 1.9%: What Investors Need to Know","blockchain-com-launches-crypto-backed-loans-from-1-9-what-investors-need-to-know","[Blockchain.com](https:\u002F\u002Fen.wikipedia.org\u002Fwiki\u002FBlockchain.com) has launched Crypto-Backed Loans, letting users borrow against [Bitcoin](\u002Fentities\u002F6a0a70021f0b27c1f426a35c-bitcoin), [Ethereum](\u002Fentities\u002F69db53194eea09eba3e2c9fd-ethereum), and [USDC](\u002Fentities\u002F69db53194eea09eba3e2c9ff-usdc) without selling, with rates starting at 1.9% APR.[1][2][3]  \nThe product enters a crypto-backed lending market already exceeding $70 billion, reflecting strong demand from retail and institutional users.[1][3]  \n\n💡 **Key takeaway:** This is a globally regulated offering that turns crypto portfolios into collateral while preserving market exposure.[3][5]  \n\n---\n\n## Inside Blockchain.com’s New Crypto-Backed Loans\n\n- Available in **70+ jurisdictions**, making Blockchain.com one of the first globally regulated platforms to offer crypto-backed lending at scale.[1][3][5]  \n- Users pledge **BTC, ETH, or USDC** and receive cash financing instead of liquidating positions, solving a key issue for long-term holders.[2][3]  \n\nThe launch extends Blockchain.com’s existing consumer and Wealth businesses, built on infrastructure already used by institutions and affluent clients.[2][3][5]  \nThis helps position the firm as a broader financial hub, not only an exchange or wallet provider.[3][5]  \n\n📊 **Data point:** Since 2011, Blockchain.com has processed over **$1.2 trillion** in transactions and serves **40+ million** verified users worldwide.[1][2][5]  \n\nMarket and use case context:[1][3][10]  \n- Crypto-backed lending market: **$70B+** in outstanding loans.  \n- Digital assets increasingly treated as **collateral and balance-sheet assets**, not just speculative trades.  \n- Investors are using bitcoin and stablecoins as **working capital** for broader financial planning.[10]  \n\nTarget users and positioning:[2][3]  \n- Large, long-term holders seeking liquidity for:  \n  - Real estate purchases  \n  - Business investments  \n  - Tax and estate planning  \n- Focus on preserving upside while unlocking cash.  \n\n[Peter Smith](https:\u002F\u002Fen.wikipedia.org\u002Fwiki\u002FPeter_Smith), Blockchain.com’s CEO, notes that crypto-backed lending was one of the platform’s most requested products, and stresses the use of existing liquidity, risk, and client service infrastructure.[2][5]  \n\n⚡ **Key point:** Scale, operating history, and regulatory footprint give Blockchain.com an advantage versus newer or lightly regulated lenders.[2][3][5]  \n\n---\n\n## How the 1.9% Crypto-Backed Loans Work in Practice\n\nCore mechanism:[2][3]  \n- Users **pledge BTC, ETH, or USDC** as collateral.  \n- They receive **cash** while retaining market exposure.  \n- Use of proceeds and tax treatment depend on local rules; in some places, borrowing may avoid triggering a taxable disposal.  \n\nAccess to the **1.9% optimized rate**:[4]  \n- Reserved for **Wealth clients** who deposit at least **$100,000** of assets on-platform before borrowing.  \n- Designed for higher-balance users, rewarding them with lower rates.  \n\n📊 **Mechanics snapshot:**[4]  \n- Wealth status unlocks preferential borrowing tiers.  \n- Borrowing **below a 25% Loan-to-Value (LTV)** ratio qualifies for the 1.9% rate.  \n- Interest is calculated daily; crossing LTV thresholds automatically shifts rates.  \n\nThe lifecycle of a Blockchain.com crypto-backed loan follows a simple sequence, from posting collateral to monitoring LTV and eventually repaying to release assets.\n\n```mermaid\nflowchart TB\n    title How Blockchain.com Crypto-Backed Loans Work\n    A[Deposit collateral] --> B[Set initial LTV]\n    B[Set initial LTV] --> C[Issue cash loan]\n    C[Issue cash loan] --> D[Monitor market moves]\n    D[Monitor market moves] --> E[Manage LTV]\n    E[Manage LTV] --> F[Repay and redeem]\n```\n\nLTV is central to risk management:[4]  \n- If market volatility cuts collateral value and LTV rises **above 25%**, the loan moves off the optimized 1.9% rate to standard pricing.  \n- Users can monitor their **Borrow dashboard** and:  \n  - Add collateral, or  \n  - Repay part of the loan  \n  to bring LTV back below key thresholds.  \n\nCompetitive positioning:[2][3][5]  \n- Relatively low starting rates.  \n- Higher borrowing capacity for large accounts.  \n- Institutional-grade liquidity and risk frameworks.  \n\n💼 **Key takeaway:** This product targets **balance-sheet optimization for sizable, long-term holders**, not short-term retail speculation.[2][3]  \n\n---\n\n## Why This Launch Matters for Crypto and Traditional Finance\n\nRole versus banks:[2][3][6]  \n- Crypto-backed loans let holders:  \n  - Unlock liquidity  \n  - Keep upside exposure  \n- Traditional banks rarely accept crypto as primary collateral, so products like this fill a structural gap.  \n\nRegulatory backdrop:[6][8][9]  \n- In the U.S., the **[GENIUS Act](https:\u002F\u002Fen.wikipedia.org\u002Fwiki\u002FGENIUS_Act)** and **Digital Asset Market Clarity Act** seek clearer rules for:  \n  - Stablecoins  \n  - Tokenized instruments  \n  - Bank handling of crypto assets  \n- This should ease integration of crypto into regulated lending, trading, and settlement.  \n\nInstitutional context:[7][10]  \n- Institutions hold an estimated **15% of bitcoin’s supply**.  \n- They already use:  \n  - Spot ETFs  \n  - Tokenized assets  \n  - [On-chain lending platforms](\u002Farticle\u002Fcircle-launches-cirbtc-how-a-new-bitcoin-backed-token-opens-defi-to-btc-holders)  \n- Blockchain.com’s loans sit between **DeFi-style collateralization** and **traditional credit underwriting**.[2][3][5]  \n\n⚠️ **Risk check:**  \n- **Price volatility:** Drawdowns can spike LTV and trigger forced deleveraging.  \n- **Margin\u002Fcollateral calls:** Failure to top up can lead to liquidation.  \n- **Jurisdiction-specific rules:** Tax, permitted uses, and protections vary widely.  \n\nBest practices:  \n- Treat these loans as **leverage**.  \n- Borrow conservatively and stress-test LTV under severe price moves.  \n- Diversify collateral where possible.  \n- Avoid using borrowed funds for speculative trading.  \n\nLooking ahead:[5][6][10]  \n- Large regulated platforms offering crypto-backed credit globally could normalize crypto as accepted collateral.  \n- As banks adopt similar structures and rules clarify, the difference between a “crypto loan” and a standard secured facility may narrow.  \n\n---\n\n## Conclusion: Is a Crypto-Backed Loan Right for You?\n\nBlockchain.com’s crypto-backed loans let qualified users borrow against **BTC, ETH, and USDC** globally, with Wealth clients accessing rates from **1.9%** when LTV stays below **25%**.[1][3][4]  \nThe product targets sizable, long-term holders seeking liquidity for major needs while staying invested, in a maturing **$70 billion** market increasingly intertwined with mainstream finance.[1][3][10]  \n\nBefore using such a facility, assess your risk tolerance, collateral mix, and local tax and regulatory rules, and compare Blockchain.com’s terms with traditional credit lines and competing crypto lenders.  \nTreat the decision as part of a broader **balance-sheet and portfolio strategy**, not a shortcut to cheap leverage.","\u003Cp>\u003Ca href=\"https:\u002F\u002Fen.wikipedia.org\u002Fwiki\u002FBlockchain.com\" class=\"wiki-link\" target=\"_blank\" rel=\"noopener\">Blockchain.com\u003C\u002Fa> has launched Crypto-Backed Loans, letting users borrow against \u003Ca href=\"\u002Fentities\u002F6a0a70021f0b27c1f426a35c-bitcoin\">Bitcoin\u003C\u002Fa>, \u003Ca href=\"\u002Fentities\u002F69db53194eea09eba3e2c9fd-ethereum\">Ethereum\u003C\u002Fa>, and \u003Ca href=\"\u002Fentities\u002F69db53194eea09eba3e2c9ff-usdc\">USDC\u003C\u002Fa> without selling, with rates starting at 1.9% APR.\u003Ca href=\"#source-1\" class=\"citation-link\" title=\"View source [1]\">[1]\u003C\u002Fa>\u003Ca href=\"#source-2\" class=\"citation-link\" title=\"View source [2]\">[2]\u003C\u002Fa>\u003Ca href=\"#source-3\" class=\"citation-link\" title=\"View source [3]\">[3]\u003C\u002Fa>\u003Cbr>\nThe product enters a crypto-backed lending market already exceeding $70 billion, reflecting strong demand from retail and institutional users.\u003Ca href=\"#source-1\" class=\"citation-link\" title=\"View source [1]\">[1]\u003C\u002Fa>\u003Ca href=\"#source-3\" class=\"citation-link\" title=\"View source [3]\">[3]\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>💡 \u003Cstrong>Key takeaway:\u003C\u002Fstrong> This is a globally regulated offering that turns crypto portfolios into collateral while preserving market exposure.\u003Ca href=\"#source-3\" class=\"citation-link\" title=\"View source [3]\">[3]\u003C\u002Fa>\u003Ca href=\"#source-5\" class=\"citation-link\" title=\"View source [5]\">[5]\u003C\u002Fa>\u003C\u002Fp>\n\u003Chr>\n\u003Ch2>Inside \u003Ca href=\"http:\u002F\u002FBlockchain.com\">Blockchain.com\u003C\u002Fa>’s New Crypto-Backed Loans\u003C\u002Fh2>\n\u003Cul>\n\u003Cli>Available in \u003Cstrong>70+ jurisdictions\u003C\u002Fstrong>, making \u003Ca href=\"http:\u002F\u002FBlockchain.com\">Blockchain.com\u003C\u002Fa> one of the first globally regulated platforms to offer crypto-backed lending at scale.\u003Ca href=\"#source-1\" class=\"citation-link\" title=\"View source [1]\">[1]\u003C\u002Fa>\u003Ca href=\"#source-3\" class=\"citation-link\" title=\"View source [3]\">[3]\u003C\u002Fa>\u003Ca href=\"#source-5\" class=\"citation-link\" title=\"View source [5]\">[5]\u003C\u002Fa>\u003C\u002Fli>\n\u003Cli>Users pledge \u003Cstrong>BTC, ETH, or USDC\u003C\u002Fstrong> and receive cash financing instead of liquidating positions, solving a key issue for long-term holders.\u003Ca href=\"#source-2\" class=\"citation-link\" title=\"View source [2]\">[2]\u003C\u002Fa>\u003Ca href=\"#source-3\" class=\"citation-link\" title=\"View source [3]\">[3]\u003C\u002Fa>\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>The launch extends \u003Ca href=\"http:\u002F\u002FBlockchain.com\">Blockchain.com\u003C\u002Fa>’s existing consumer and Wealth businesses, built on infrastructure already used by institutions and affluent clients.\u003Ca href=\"#source-2\" class=\"citation-link\" title=\"View source [2]\">[2]\u003C\u002Fa>\u003Ca href=\"#source-3\" class=\"citation-link\" title=\"View source [3]\">[3]\u003C\u002Fa>\u003Ca href=\"#source-5\" class=\"citation-link\" title=\"View source [5]\">[5]\u003C\u002Fa>\u003Cbr>\nThis helps position the firm as a broader financial hub, not only an exchange or wallet provider.\u003Ca href=\"#source-3\" class=\"citation-link\" title=\"View source [3]\">[3]\u003C\u002Fa>\u003Ca href=\"#source-5\" class=\"citation-link\" title=\"View source [5]\">[5]\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>📊 \u003Cstrong>Data point:\u003C\u002Fstrong> Since 2011, \u003Ca href=\"http:\u002F\u002FBlockchain.com\">Blockchain.com\u003C\u002Fa> has processed over \u003Cstrong>$1.2 trillion\u003C\u002Fstrong> in transactions and serves \u003Cstrong>40+ million\u003C\u002Fstrong> verified users worldwide.\u003Ca href=\"#source-1\" class=\"citation-link\" title=\"View source [1]\">[1]\u003C\u002Fa>\u003Ca href=\"#source-2\" class=\"citation-link\" title=\"View source [2]\">[2]\u003C\u002Fa>\u003Ca href=\"#source-5\" class=\"citation-link\" title=\"View source [5]\">[5]\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>Market and use case context:\u003Ca href=\"#source-1\" class=\"citation-link\" title=\"View source [1]\">[1]\u003C\u002Fa>\u003Ca href=\"#source-3\" class=\"citation-link\" title=\"View source [3]\">[3]\u003C\u002Fa>\u003Ca href=\"#source-10\" class=\"citation-link\" title=\"View source [10]\">[10]\u003C\u002Fa>\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Crypto-backed lending market: \u003Cstrong>$70B+\u003C\u002Fstrong> in outstanding loans.\u003C\u002Fli>\n\u003Cli>Digital assets increasingly treated as \u003Cstrong>collateral and balance-sheet assets\u003C\u002Fstrong>, not just speculative trades.\u003C\u002Fli>\n\u003Cli>Investors are using bitcoin and stablecoins as \u003Cstrong>working capital\u003C\u002Fstrong> for broader financial planning.\u003Ca href=\"#source-10\" class=\"citation-link\" title=\"View source [10]\">[10]\u003C\u002Fa>\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Target users and positioning:\u003Ca href=\"#source-2\" class=\"citation-link\" title=\"View source [2]\">[2]\u003C\u002Fa>\u003Ca href=\"#source-3\" class=\"citation-link\" title=\"View source [3]\">[3]\u003C\u002Fa>\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Large, long-term holders seeking liquidity for:\n\u003Cul>\n\u003Cli>Real estate purchases\u003C\u002Fli>\n\u003Cli>Business investments\u003C\u002Fli>\n\u003Cli>Tax and estate planning\u003C\u002Fli>\n\u003C\u002Ful>\n\u003C\u002Fli>\n\u003Cli>Focus on preserving upside while unlocking cash.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fen.wikipedia.org\u002Fwiki\u002FPeter_Smith\" class=\"wiki-link\" target=\"_blank\" rel=\"noopener\">Peter Smith\u003C\u002Fa>, \u003Ca href=\"http:\u002F\u002FBlockchain.com\">Blockchain.com\u003C\u002Fa>’s CEO, notes that crypto-backed lending was one of the platform’s most requested products, and stresses the use of existing liquidity, risk, and client service infrastructure.\u003Ca href=\"#source-2\" class=\"citation-link\" title=\"View source [2]\">[2]\u003C\u002Fa>\u003Ca href=\"#source-5\" class=\"citation-link\" title=\"View source [5]\">[5]\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>⚡ \u003Cstrong>Key point:\u003C\u002Fstrong> Scale, operating history, and regulatory footprint give \u003Ca href=\"http:\u002F\u002FBlockchain.com\">Blockchain.com\u003C\u002Fa> an advantage versus newer or lightly regulated lenders.\u003Ca href=\"#source-2\" class=\"citation-link\" title=\"View source [2]\">[2]\u003C\u002Fa>\u003Ca href=\"#source-3\" class=\"citation-link\" title=\"View source [3]\">[3]\u003C\u002Fa>\u003Ca href=\"#source-5\" class=\"citation-link\" title=\"View source [5]\">[5]\u003C\u002Fa>\u003C\u002Fp>\n\u003Chr>\n\u003Ch2>How the 1.9% Crypto-Backed Loans Work in Practice\u003C\u002Fh2>\n\u003Cp>Core mechanism:\u003Ca href=\"#source-2\" class=\"citation-link\" title=\"View source [2]\">[2]\u003C\u002Fa>\u003Ca href=\"#source-3\" class=\"citation-link\" title=\"View source [3]\">[3]\u003C\u002Fa>\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Users \u003Cstrong>pledge BTC, ETH, or USDC\u003C\u002Fstrong> as collateral.\u003C\u002Fli>\n\u003Cli>They receive \u003Cstrong>cash\u003C\u002Fstrong> while retaining market exposure.\u003C\u002Fli>\n\u003Cli>Use of proceeds and tax treatment depend on local rules; in some places, borrowing may avoid triggering a taxable disposal.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Access to the \u003Cstrong>1.9% optimized rate\u003C\u002Fstrong>:\u003Ca href=\"#source-4\" class=\"citation-link\" title=\"View source [4]\">[4]\u003C\u002Fa>\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Reserved for \u003Cstrong>Wealth clients\u003C\u002Fstrong> who deposit at least \u003Cstrong>$100,000\u003C\u002Fstrong> of assets on-platform before borrowing.\u003C\u002Fli>\n\u003Cli>Designed for higher-balance users, rewarding them with lower rates.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>📊 \u003Cstrong>Mechanics snapshot:\u003C\u002Fstrong>\u003Ca href=\"#source-4\" class=\"citation-link\" title=\"View source [4]\">[4]\u003C\u002Fa>\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Wealth status unlocks preferential borrowing tiers.\u003C\u002Fli>\n\u003Cli>Borrowing \u003Cstrong>below a 25% Loan-to-Value (LTV)\u003C\u002Fstrong> ratio qualifies for the 1.9% rate.\u003C\u002Fli>\n\u003Cli>Interest is calculated daily; crossing LTV thresholds automatically shifts rates.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>The lifecycle of a \u003Ca href=\"http:\u002F\u002FBlockchain.com\">Blockchain.com\u003C\u002Fa> crypto-backed loan follows a simple sequence, from posting collateral to monitoring LTV and eventually repaying to release assets.\u003C\u002Fp>\n\u003Cpre>\u003Ccode class=\"language-mermaid\">flowchart TB\n    title How Blockchain.com Crypto-Backed Loans Work\n    A[Deposit collateral] --> B[Set initial LTV]\n    B[Set initial LTV] --> C[Issue cash loan]\n    C[Issue cash loan] --> D[Monitor market moves]\n    D[Monitor market moves] --> E[Manage LTV]\n    E[Manage LTV] --> F[Repay and redeem]\n\u003C\u002Fcode>\u003C\u002Fpre>\n\u003Cp>LTV is central to risk management:\u003Ca href=\"#source-4\" class=\"citation-link\" title=\"View source [4]\">[4]\u003C\u002Fa>\u003C\u002Fp>\n\u003Cul>\n\u003Cli>If market volatility cuts collateral value and LTV rises \u003Cstrong>above 25%\u003C\u002Fstrong>, the loan moves off the optimized 1.9% rate to standard pricing.\u003C\u002Fli>\n\u003Cli>Users can monitor their \u003Cstrong>Borrow dashboard\u003C\u002Fstrong> and:\n\u003Cul>\n\u003Cli>Add collateral, or\u003C\u002Fli>\n\u003Cli>Repay part of the loan\u003Cbr>\nto bring LTV back below key thresholds.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Competitive positioning:\u003Ca href=\"#source-2\" class=\"citation-link\" title=\"View source [2]\">[2]\u003C\u002Fa>\u003Ca href=\"#source-3\" class=\"citation-link\" title=\"View source [3]\">[3]\u003C\u002Fa>\u003Ca href=\"#source-5\" class=\"citation-link\" title=\"View source [5]\">[5]\u003C\u002Fa>\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Relatively low starting rates.\u003C\u002Fli>\n\u003Cli>Higher borrowing capacity for large accounts.\u003C\u002Fli>\n\u003Cli>Institutional-grade liquidity and risk frameworks.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>💼 \u003Cstrong>Key takeaway:\u003C\u002Fstrong> This product targets \u003Cstrong>balance-sheet optimization for sizable, long-term holders\u003C\u002Fstrong>, not short-term retail speculation.\u003Ca href=\"#source-2\" class=\"citation-link\" title=\"View source [2]\">[2]\u003C\u002Fa>\u003Ca href=\"#source-3\" class=\"citation-link\" title=\"View source [3]\">[3]\u003C\u002Fa>\u003C\u002Fp>\n\u003Chr>\n\u003Ch2>Why This Launch Matters for Crypto and Traditional Finance\u003C\u002Fh2>\n\u003Cp>Role versus banks:\u003Ca href=\"#source-2\" class=\"citation-link\" title=\"View source [2]\">[2]\u003C\u002Fa>\u003Ca href=\"#source-3\" class=\"citation-link\" title=\"View source [3]\">[3]\u003C\u002Fa>\u003Ca href=\"#source-6\" class=\"citation-link\" title=\"View source [6]\">[6]\u003C\u002Fa>\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Crypto-backed loans let holders:\n\u003Cul>\n\u003Cli>Unlock liquidity\u003C\u002Fli>\n\u003Cli>Keep upside exposure\u003C\u002Fli>\n\u003C\u002Ful>\n\u003C\u002Fli>\n\u003Cli>Traditional banks rarely accept crypto as primary collateral, so products like this fill a structural gap.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Regulatory backdrop:\u003Ca href=\"#source-6\" class=\"citation-link\" title=\"View source [6]\">[6]\u003C\u002Fa>\u003Ca href=\"#source-8\" class=\"citation-link\" title=\"View source [8]\">[8]\u003C\u002Fa>\u003Ca href=\"#source-9\" class=\"citation-link\" title=\"View source [9]\">[9]\u003C\u002Fa>\u003C\u002Fp>\n\u003Cul>\n\u003Cli>In the U.S., the \u003Cstrong>\u003Ca href=\"https:\u002F\u002Fen.wikipedia.org\u002Fwiki\u002FGENIUS_Act\" class=\"wiki-link\" target=\"_blank\" rel=\"noopener\">GENIUS Act\u003C\u002Fa>\u003C\u002Fstrong> and \u003Cstrong>Digital Asset Market Clarity Act\u003C\u002Fstrong> seek clearer rules for:\n\u003Cul>\n\u003Cli>Stablecoins\u003C\u002Fli>\n\u003Cli>Tokenized instruments\u003C\u002Fli>\n\u003Cli>Bank handling of crypto assets\u003C\u002Fli>\n\u003C\u002Ful>\n\u003C\u002Fli>\n\u003Cli>This should ease integration of crypto into regulated lending, trading, and settlement.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Institutional context:\u003Ca href=\"#source-7\" class=\"citation-link\" title=\"View source [7]\">[7]\u003C\u002Fa>\u003Ca href=\"#source-10\" class=\"citation-link\" title=\"View source [10]\">[10]\u003C\u002Fa>\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Institutions hold an estimated \u003Cstrong>15% of bitcoin’s supply\u003C\u002Fstrong>.\u003C\u002Fli>\n\u003Cli>They already use:\n\u003Cul>\n\u003Cli>Spot ETFs\u003C\u002Fli>\n\u003Cli>Tokenized assets\u003C\u002Fli>\n\u003Cli>\u003Ca href=\"\u002Farticle\u002Fcircle-launches-cirbtc-how-a-new-bitcoin-backed-token-opens-defi-to-btc-holders\" class=\"internal-link\">On-chain lending platforms\u003C\u002Fa>\u003C\u002Fli>\n\u003C\u002Ful>\n\u003C\u002Fli>\n\u003Cli>\u003Ca href=\"http:\u002F\u002FBlockchain.com\">Blockchain.com\u003C\u002Fa>’s loans sit between \u003Cstrong>DeFi-style collateralization\u003C\u002Fstrong> and \u003Cstrong>traditional credit underwriting\u003C\u002Fstrong>.\u003Ca href=\"#source-2\" class=\"citation-link\" title=\"View source [2]\">[2]\u003C\u002Fa>\u003Ca href=\"#source-3\" class=\"citation-link\" title=\"View source [3]\">[3]\u003C\u002Fa>\u003Ca href=\"#source-5\" class=\"citation-link\" title=\"View source [5]\">[5]\u003C\u002Fa>\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>⚠️ \u003Cstrong>Risk check:\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Cul>\n\u003Cli>\u003Cstrong>Price volatility:\u003C\u002Fstrong> Drawdowns can spike LTV and trigger forced deleveraging.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Margin\u002Fcollateral calls:\u003C\u002Fstrong> Failure to top up can lead to liquidation.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Jurisdiction-specific rules:\u003C\u002Fstrong> Tax, permitted uses, and protections vary widely.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Best practices:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Treat these loans as \u003Cstrong>leverage\u003C\u002Fstrong>.\u003C\u002Fli>\n\u003Cli>Borrow conservatively and stress-test LTV under severe price moves.\u003C\u002Fli>\n\u003Cli>Diversify collateral where possible.\u003C\u002Fli>\n\u003Cli>Avoid using borrowed funds for speculative trading.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Looking ahead:\u003Ca href=\"#source-5\" class=\"citation-link\" title=\"View source [5]\">[5]\u003C\u002Fa>\u003Ca href=\"#source-6\" class=\"citation-link\" title=\"View source [6]\">[6]\u003C\u002Fa>\u003Ca href=\"#source-10\" class=\"citation-link\" title=\"View source [10]\">[10]\u003C\u002Fa>\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Large regulated platforms offering crypto-backed credit globally could normalize crypto as accepted collateral.\u003C\u002Fli>\n\u003Cli>As banks adopt similar structures and rules clarify, the difference between a “crypto loan” and a standard secured facility may narrow.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Chr>\n\u003Ch2>Conclusion: Is a Crypto-Backed Loan Right for You?\u003C\u002Fh2>\n\u003Cp>\u003Ca href=\"http:\u002F\u002FBlockchain.com\">Blockchain.com\u003C\u002Fa>’s crypto-backed loans let qualified users borrow against \u003Cstrong>BTC, ETH, and USDC\u003C\u002Fstrong> globally, with Wealth clients accessing rates from \u003Cstrong>1.9%\u003C\u002Fstrong> when LTV stays below \u003Cstrong>25%\u003C\u002Fstrong>.\u003Ca href=\"#source-1\" class=\"citation-link\" title=\"View source [1]\">[1]\u003C\u002Fa>\u003Ca href=\"#source-3\" class=\"citation-link\" title=\"View source [3]\">[3]\u003C\u002Fa>\u003Ca href=\"#source-4\" class=\"citation-link\" title=\"View source [4]\">[4]\u003C\u002Fa>\u003Cbr>\nThe product targets sizable, long-term holders seeking liquidity for major needs while staying invested, in a maturing \u003Cstrong>$70 billion\u003C\u002Fstrong> market increasingly intertwined with mainstream finance.\u003Ca href=\"#source-1\" class=\"citation-link\" title=\"View source [1]\">[1]\u003C\u002Fa>\u003Ca href=\"#source-3\" class=\"citation-link\" title=\"View source [3]\">[3]\u003C\u002Fa>\u003Ca href=\"#source-10\" class=\"citation-link\" title=\"View source [10]\">[10]\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>Before using such a facility, assess your risk tolerance, collateral mix, and local tax and regulatory rules, and compare \u003Ca href=\"http:\u002F\u002FBlockchain.com\">Blockchain.com\u003C\u002Fa>’s terms with traditional credit lines and competing crypto lenders.\u003Cbr>\nTreat the decision as part of a broader \u003Cstrong>balance-sheet and portfolio strategy\u003C\u002Fstrong>, not a shortcut to cheap leverage.\u003C\u002Fp>\n","Blockchain.com has launched Crypto-Backed Loans, letting users borrow against Bitcoin, Ethereum, and USDC without selling, with rates starting at 1.9% APR.[1][2][3]  \nThe product enters a crypto-backe...","trend-radar",[],886,4,"2026-05-18T01:51:29.671Z",[17,22,26,30,34,38,42,46,50,54],{"title":18,"url":19,"summary":20,"type":21},"Blockchain.com launches crypto-backed loans from 1.9% as market surpasses $70B","https:\u002F\u002Fapp.dealroom.co\u002Fnews\u002Ffeed\u002Fblockchain-com-launches-crypto-backed-loans-from-1-9-as-market-surpasses-70b","Blockchain.com has launched Crypto-Backed Loans, a lending product allowing users to borrow against digital assets including Bitcoin, Ethereum and USDC without selling them. The service offers rates s...","kb",{"title":23,"url":24,"summary":25,"type":21},"Blockchain.com rolls out crypto backed loans for Bitcoin, Ethereum, and USDC holders","https:\u002F\u002Fcryptobriefing.com\u002Fcrypto-backed-loans-by-blockchaincom\u002F","Blockchain.com rolled out Crypto Backed Loans globally, allowing users to borrow against their digital assets without selling them. The product lets clients use Bitcoin, Ethereum, and USDC as collater...",{"title":27,"url":28,"summary":29,"type":21},"Blockchain launches crypto-backed loans starting at 1.9%","https:\u002F\u002Fwww.blockchain.com\u002Fblog\u002Fposts\u002Fblockchain-launches-crypto-backed-loans-starting-at-19","By Blockchain May 14, 2026\n\nThe company launches highly requested in-house lending feature for global users, delivering one of the most competitive crypto-backed lending offers available.\n\nToday Block...",{"title":31,"url":32,"summary":33,"type":21},"How to get the optimized 1.9% crypto-backed loan rate – Blockchain Support Center","https:\u002F\u002Fsupport.blockchain.com\u002Fhc\u002Fen-us\u002Farticles\u002F27406592182940-How-to-get-the-optimized-1-9-crypto-backed-loan-rate","Blockchain.com offers low-cost borrowing rates to Wealth clients with a rate as low as 1.9% provided that their Loan-To-Value (LTV) ratio stays below 25%.\n\nSteps to borrow at reduced interest rates\n\n1...",{"title":35,"url":36,"summary":37,"type":21},"Blockchain.com Unveils Highly Anticipated Crypto-Backed Loans, Bringing Borrowing To Crypto Holders Worldwide","https:\u002F\u002Fwww.prnewswire.com\u002Fnews-releases\u002Fblockchaincom-unveils-highly-anticipated-crypto-backed-loans-bringing-borrowing-to-crypto-holders-worldwide-302771735.html","DALLAS, May 14, 2026 \u002FPRNewswire\u002F -- Blockchain.com today announced the global launch of Crypto-Backed Loans, a new lending product that allows crypto holders to borrow against their digital assets wi...",{"title":39,"url":40,"summary":41,"type":21},"Crypto Asset Adoption within the US Banking System - Bank Lending Against Crypto Collateral","https:\u002F\u002Fsentora.com\u002Fresearch\u002Farticles\u002Fcrypto-asset-adoption-within-the-us-banking-system-bank-lending-against-crypto-collateral","The U.S. drives crypto growth with clear regulation and laws like the GENIUS and Clarity Acts, easing bank capital rules. As crypto gains recognition—even in mortgages—banks that quickly adapt their i...",{"title":43,"url":44,"summary":45,"type":21},"3 More Headlines Showing How TradFi Is Accelerating Crypto Adoption","https:\u002F\u002Fwww.forbes.com\u002Fsites\u002Fdigital-assets\u002F2026\u002F05\u002F14\u002F3-more-headlines-showing-how-tradfi-is-accelerating-crypto-adoption\u002F","TradFi continues to embrace crypto at an accelerating rate\n\nWith CLARITY inching closer and closer to becoming law, with the actual text released lining up with a Senate Banking Committee hearing, the...",{"title":47,"url":48,"summary":49,"type":21},"LIVE: Clarity Act enters final stage after Senate Committee vote - TheStreet Crypto: Bitcoin and cryptocurrency news, advice, analysis and more","https:\u002F\u002Fwww.thestreet.com\u002Fcrypto\u002Fmarkets\u002Flive-clarity-act-enters-final-stage-after-senate-committee-vote","May 18, 2026\n\nAfter weeks of tussle, the U.S. Clarity Act finally passed the Senate Banking Committee markup vote on May 14.\n\nDuring the markup, the senators debate, amend, and vote on whether to adva...",{"title":51,"url":52,"summary":53,"type":21},"GENIUS and CLARITY ACT: US Financial Institutions entering the digital space","https:\u002F\u002Fwww.finextra.com\u002Fblogposting\u002F29493\u002Fgenius-and-clarity-act-us-financial-institutions-entering-the-digital-space","Carlo De Meijer\n\nOwner\u002FEconomist\n\nDe Meijer Independent Financial Services Advisory\n\nLocation\n\nMaarssen\n\nFollowers\n\n0\n\nOpinions\n\n165\n\nSince President Trump has signed the GENIUS Act a lot has been pub...",{"title":55,"url":56,"summary":57,"type":21},"How Institutions Are Quietly Embracing Crypto","https:\u002F\u002Finsights4vc.substack.com\u002Fp\u002Fhow-institutions-are-quietly-embracing","Since 2020, major U.S. banks, asset managers, and payment firms have moved from cautiously observing crypto to actively investing, partnering, or launching products in the space. By early 2025, instit...",{"totalSources":59},10,{"generationDuration":61,"kbQueriesCount":59,"confidenceScore":62,"sourcesCount":59},251641,100,{"metaTitle":64,"metaDescription":65},"Crypto-Backed Loans: Blockchain.com Offers 1.9% APR","New: Blockchain.com's crypto loans start at 1.9% APR. Borrow against BTC, ETH or USDC in 70+ jurisdictions without selling. Read rates, terms and risks.","en","https:\u002F\u002Fimages.unsplash.com\u002Fphoto-1631864032962-950ceb71ba9a?ixid=M3w4OTczNDl8MHwxfHNlYXJjaHwxfHxibG9ja2NoYWluJTIwY29tJTIwbGF1bmNoZXMlMjBjcnlwdG98ZW58MXwwfHx8MTc3OTA2ODU4Mnww&ixlib=rb-4.1.0&w=1200&h=630&fit=crop&crop=entropy&auto=format,compress&q=60",{"photographerName":69,"photographerUrl":70,"unsplashUrl":71},"Morthy Jameson","https:\u002F\u002Funsplash.com\u002F@theothermorthy?utm_source=coreprose&utm_medium=referral","https:\u002F\u002Funsplash.com\u002Fphotos\u002Fa-person-holding-a-cell-phone-in-their-hand-vpbQ9NAC5Oo?utm_source=coreprose&utm_medium=referral",true,"blockchain-com-launches-crypto-backed-loans-with-rates-from-1-9",{"key":75,"name":76,"nameEn":76},"crypto","Crypto & Blockchain",[78,80,82,84],{"text":79},"Blockchain.com offers crypto-backed loans with rates starting at 1.9% APR for Wealth clients who deposit at least $100,000 and maintain a Loan-to-Value (LTV) below 25%.",{"text":81},"The product accepts BTC, ETH, and USDC as collateral and delivers cash financing so users retain market exposure instead of selling assets.",{"text":83},"The loans are available in 70+ jurisdictions, positioning Blockchain.com as one of the first globally regulated platforms to offer crypto-backed lending at scale.",{"text":85},"The crypto-backed lending market exceeds $70 billion, and Blockchain.com has processed over $1.2 trillion in transactions and serves 40+ million verified users.",[87,90,93],{"question":88,"answer":89},"Who qualifies for the 1.9% APR rate?","The 1.9% APR rate is reserved for Blockchain.com Wealth clients who deposit at least $100,000 of assets on-platform and borrow at a Borrow-to-Value ratio below 25%. To maintain that optimized rate, the borrower must keep their LTV under 25%; if collateral value falls and LTV rises above that threshold the loan is re-priced to standard rates. Wealth status and deposit thresholds are verified on-platform, and interest is calculated daily, so borrowers must actively monitor their Borrow dashboard or add collateral\u002Frepay principal to avoid losing the preferential rate.",{"question":91,"answer":92},"How do LTV thresholds, margin calls, and liquidations work?","LTV governs pricing and risk: staying below 25% qualifies for the 1.9% rate, while higher LTVs trigger standard pricing and, at more extreme thresholds, margin actions. If collateral falls and LTV rises, Blockchain.com will notify the borrower and either require additional collateral or partial repayment; failure to act can lead to forced deleveraging or liquidation of collateral. Users should stress-test scenarios for severe price moves and set alerts or automatic top-ups to avoid sudden liquidations.",{"question":94,"answer":95},"What are the main risks and tax considerations?","The primary risks are crypto price volatility increasing LTV and triggering liquidations, operational or custody failures at the lender, and jurisdictional differences in consumer protections. Tax treatment varies by country: borrowing may avoid a taxable disposal in some jurisdictions, but proceeds used or later sales of collateral can create taxable events; borrowers must consult a tax advisor. Treat these loans as leverage, borrow conservatively, diversify collateral where possible, and compare terms against traditional secured credit.",[97,104,111,116,120,126,131,136,142,146,153,160,164,171,175],{"id":98,"name":99,"type":100,"confidence":101,"wikipediaUrl":102,"slug":103,"mentionCount":14},"6a0a70021f0b27c1f426a35c","Bitcoin","concept",0.99,"https:\u002F\u002Fen.wikipedia.org\u002Fwiki\u002FBitcoin","6a0a70021f0b27c1f426a35c-bitcoin",{"id":105,"name":106,"type":100,"confidence":107,"wikipediaUrl":108,"slug":109,"mentionCount":110},"6a0a70d41f0b27c1f426a3e2","DeFi-style collateralization",0.9,null,"6a0a70d41f0b27c1f426a3e2-defi-style-collateralization",1,{"id":112,"name":113,"type":100,"confidence":114,"wikipediaUrl":108,"slug":115,"mentionCount":110},"6a0a70d31f0b27c1f426a3d9","1.9% APR",0.95,"6a0a70d31f0b27c1f426a3d9-1-9-apr",{"id":117,"name":118,"type":100,"confidence":114,"wikipediaUrl":108,"slug":119,"mentionCount":110},"6a0a70d31f0b27c1f426a3db","25% Loan-to-Value","6a0a70d31f0b27c1f426a3db-25-loan-to-value",{"id":121,"name":122,"type":100,"confidence":123,"wikipediaUrl":124,"slug":125,"mentionCount":110},"6a0a70d41f0b27c1f426a3e1","Institutions holding 15% of bitcoin",0.88,"https:\u002F\u002Fen.wikipedia.org\u002Fwiki\u002FU.S._Strategic_Bitcoin_Reserve","6a0a70d41f0b27c1f426a3e1-institutions-holding-15-of-bitcoin",{"id":127,"name":128,"type":100,"confidence":129,"wikipediaUrl":108,"slug":130,"mentionCount":110},"6a0a70d41f0b27c1f426a3df","$70 billion crypto-backed lending market",0.94,"6a0a70d41f0b27c1f426a3df-70-billion-crypto-backed-lending-market",{"id":132,"name":133,"type":100,"confidence":107,"wikipediaUrl":134,"slug":135,"mentionCount":110},"6a0a70d31f0b27c1f426a3da","$100,000 deposit requirement","https:\u002F\u002Fen.wikipedia.org\u002Fwiki\u002FDeposit_insurance","6a0a70d31f0b27c1f426a3da-100-000-deposit-requirement",{"id":137,"name":138,"type":100,"confidence":139,"wikipediaUrl":140,"slug":141,"mentionCount":110},"6a0a70d31f0b27c1f426a3dd","$1.2 trillion processed",0.92,"https:\u002F\u002Fen.wikipedia.org\u002Fwiki\u002FF-1_Trillion","6a0a70d31f0b27c1f426a3dd-1-2-trillion-processed",{"id":143,"name":144,"type":100,"confidence":139,"wikipediaUrl":108,"slug":145,"mentionCount":110},"6a0a70d41f0b27c1f426a3de","40+ million verified users","6a0a70d41f0b27c1f426a3de-40-million-verified-users",{"id":147,"name":148,"type":149,"confidence":107,"wikipediaUrl":150,"slug":151,"mentionCount":152},"69d1fc134eea09eba3dff103","GENIUS Act","event","https:\u002F\u002Fen.wikipedia.org\u002Fwiki\u002FGENIUS_Act","69d1fc134eea09eba3dff103-genius-act",2,{"id":154,"name":155,"type":156,"confidence":101,"wikipediaUrl":157,"slug":158,"mentionCount":159},"69db53194eea09eba3e2c9fd","Ethereum","location","https:\u002F\u002Fen.wikipedia.org\u002Fwiki\u002FEthereum","69db53194eea09eba3e2c9fd-ethereum",5,{"id":161,"name":162,"type":156,"confidence":139,"wikipediaUrl":108,"slug":163,"mentionCount":110},"6a0a70d31f0b27c1f426a3dc","70+ jurisdictions","6a0a70d31f0b27c1f426a3dc-70-jurisdictions",{"id":165,"name":166,"type":167,"confidence":168,"wikipediaUrl":169,"slug":170,"mentionCount":110},"6a0a70d21f0b27c1f426a3d5","Blockchain.com","organization",0.98,"https:\u002F\u002Fen.wikipedia.org\u002Fwiki\u002FBlockchain.com","6a0a70d21f0b27c1f426a3d5-blockchain-com",{"id":172,"name":173,"type":167,"confidence":107,"wikipediaUrl":108,"slug":174,"mentionCount":110},"6a0a70d41f0b27c1f426a3e3","Traditional banks","6a0a70d41f0b27c1f426a3e3-traditional-banks",{"id":176,"name":177,"type":178,"confidence":107,"wikipediaUrl":108,"slug":179,"mentionCount":110},"6a0a70d31f0b27c1f426a3d8","Wealth clients","other","6a0a70d31f0b27c1f426a3d8-wealth-clients",[181,188,195,202],{"id":182,"title":183,"slug":184,"excerpt":185,"category":11,"featuredImage":186,"publishedAt":187},"6a1464fea33b9706f9fe0b3d","Zama Acquires TokenOps: Why Confidential Token Distributions Are a Breakthrough for Onchain Finance","zama-acquires-tokenops-why-confidential-token-distributions-are-a-breakthrough-for-onchain-finance","The Transparency Problem in Onchain Token Operations\n\nPublic blockchains make every treasury move, vesting event, and distribution visible in real time—to traders and bots watching mempools.[4] Routin...","https:\u002F\u002Fimages.unsplash.com\u002Fphoto-1775185172785-4bbd6b0fc8f5?ixid=M3w4OTczNDl8MHwxfHNlYXJjaHwzMXx8YXJ0aWZpY2lhbCUyMGludGVsbGlnZW5jZSUyMHRlY2hub2xvZ3l8ZW58MXwwfHx8MTc3OTcyMTQ3MHww&ixlib=rb-4.1.0&w=1200&h=630&fit=crop&crop=entropy&auto=format,compress&q=60","2026-05-25T15:12:03.799Z",{"id":189,"title":190,"slug":191,"excerpt":192,"category":11,"featuredImage":193,"publishedAt":194},"6a012311cd67756a697e3979","Crypto Industry Layoffs in 2026: How AI Efficiency Is Reshaping Jobs","crypto-industry-layoffs-in-2026-how-ai-efficiency-is-reshaping-jobs","The 2026 crypto job market is pivoting around one idea: AI-native operations. Leaders at major exchanges and payments firms frame layoffs as part of a structural shift to automation, not just a respon...","https:\u002F\u002Fimages.unsplash.com\u002Fphoto-1654574111817-048bf3cf226f?ixid=M3w4OTczNDl8MHwxfHNlYXJjaHwxfHxjcnlwdG8lMjBpbmR1c3RyeSUyMGxheW9mZnMlMjBkcml2ZW58ZW58MXwwfHx8MTc3ODQ1OTQwOXww&ixlib=rb-4.1.0&w=1200&h=630&fit=crop&crop=entropy&auto=format,compress&q=60","2026-05-11T00:37:01.801Z",{"id":196,"title":197,"slug":198,"excerpt":199,"category":11,"featuredImage":200,"publishedAt":201},"69db514adb92e8d891da60bb","Circle Launches cirBTC: How a New Bitcoin-Backed Token Opens DeFi to BTC Holders","circle-launches-cirbtc-how-a-new-bitcoin-backed-token-opens-defi-to-btc-holders","Circle officially launched cirBTC on April 4, 2026, introducing a Bitcoin-backed token designed to move BTC into decentralized finance (DeFi) at scale.[1][2]  \n\nThe launch extends Circle’s evolution f...","https:\u002F\u002Fimages.unsplash.com\u002Fphoto-1755134148020-f4a1508404e9?ixid=M3w4OTczNDl8MHwxfHNlYXJjaHwxfHxjaXJjbGUlMjBsYXVuY2hlcyUyMGNpcmJ0YyUyMHRva2VufGVufDF8MHx8fDE3NzU5ODA4NzN8MA&ixlib=rb-4.1.0&w=1200&h=630&fit=crop&crop=entropy&auto=format,compress&q=60","2026-04-12T08:08:17.304Z",{"id":203,"title":204,"slug":205,"excerpt":206,"category":11,"featuredImage":207,"publishedAt":208},"69d1fa6d49d549b254256bc0","CLARITY Act’s Impact on Stablecoin Yield Models and U.S. Regulation","clarity-act-s-impact-on-stablecoin-yield-models-and-u-s-regulation","Stablecoins anchor crypto’s “digital dollar” market, with supply near US$316 billion and growing even in flat cycles.[1] Their bank‑like scale forces U.S. policymakers to decide who controls dollar li...","https:\u002F\u002Fimages.unsplash.com\u002Fphoto-1767481517285-88f251cff38f?ixid=M3w4OTczNDl8MHwxfHNlYXJjaHwxfHxjbGFyaXR5JTIwYWN0fGVufDF8MHx8fDE3NzUyNzI1NjR8MA&ixlib=rb-4.1.0&w=1200&h=630&fit=crop&crop=entropy&auto=format,compress&q=60","2026-04-05T06:06:41.227Z",["Island",210],{"key":211,"params":212,"result":214},"ArticleBody_BJkQsfaLNCMeVG1dnOBqmNURrBN92jBocqFR6Kzagk",{"props":213},"{\"articleId\":\"6a0a6ea6e92e33c825daa81c\"}",{"head":215},{}]