Crypto Loans

With a CoinRabbit crypto loan, you can borrow funds using your crypto as collateral without selling your holdings. Deposit BTC, ETH, XRP, or over 350 other supported assets to receive a loan. Collateral is fully secured and never reused under a strict no-rehypothecation rule. Once the loan is repaid, your assets are returned immediately.

<a href='https://coinrabbit.io/blog/what-is-crypto-lending-and-how-does-it-work/' target='_blank'>Crypto lending</a> on CoinRabbit is fully transparent. Loans are secured entirely by your collateral, with no credit checks required, allowing quick access to funds within a secure framework that prioritizes long-term capital protection.

<strong>For fixed-term loans:</strong> repay principal plus interest by the end of the agreed term; early repayment is allowed.<br/><strong>For open-ended loans:</strong> repay anytime, in full or in part, with no fixed schedule or hidden fees.<br />Collateral is returned immediately after repayment, letting your portfolio continue to grow over time.

A Bitcoin loan lets you unlock the value of your Bitcoin without selling it, so you keep full ownership of your Bitcoin and benefit if its price rises. Since Bitcoin is known for its long-term growth potential and volatility, borrowing against it can be a strategic way to access funds without missing out on future gains.

Yes, XRP can be used as collateral on CoinRabbit, part of a full-featured XRP ecosystem with a secure wallet and the Private program.

CoinRabbit APR starts at 11.95% and remains fixed for the full loan term. Rates depend on the cryptocurrency, loan-to-value ratio (LTV), loan duration, and liquidation LTV, providing borrowers with predictable costs while preserving long-term capital.

An instant crypto loan means you can get funds quickly without lengthy paperwork or credit checks. At CoinRabbit, you can receive a loan within 10 minutes after sending your collateral.

At CoinRabbit, collateral value can be tracked in real time via your personal dashboard. If it enters a different risk zone, you’ll receive instant notifications, giving you time to add collateral or <a href='https://coinrabbit.io/blog/crypto-loan-defaults-what-happens-if-you-dont-pay-back-a-crypto-loan/' target='_blank'>repay part of your loan</a>. This ensures full control over your assets and provides peace of mind.

CoinRabbit offers a white-labeled <a href='/partners/'>crypto lending API</a>, allowing seamless integration of crypto-backed loans while preserving your branding and user experience. We also provide customized rates and terms for trusted partners, tailored to their preferred assets, volumes, and timelines.

Yes, CoinRabbit offers a comprehensive app that combines a secure crypto wallet, an integrated exchange, and loan management tools.

<a href='https://coinrabbit.io/blog/unlock-lower-crypto-lending-rates-with-coinrabbits-fixed-term-loans/' target='_blank'>Fixed-term crypto loans</a> at CoinRabbit have a set repayment period (usually 30 days) with interest calculated upfront at a fixed, lower rate. You borrow crypto-backed funds and repay the full amount by the end of the term, with no penalties for early repayment.

Crypto loans are a powerful tool for investors looking to preserve long-term capital, maintain exposure to growth, and <a href='https://coinrabbit.io/blog/how-crypto-millionaires-use-bitcoin-loans-to-grow-wealth-the-tax-efficient-way/' target='_blank'>optimize taxes</a>. They provide liquidity without selling, supporting strategic wealth building and generational planning through the <a href='https://coinrabbit.io/blog/buy-borrow-die-strategy-explained-a-tax-efficient-way-to-use-capital/' target='_blank'>Buy, Borrow, Die</a> strategy: hold assets, borrow against them, and keep wealth intact over time.