Keep your crypto. Keep your upside. Get stablecoins (USDT, USDC) — without selling, without capital gains tax, and without the rates other platforms charge.
No hidden fees. Apply now to get started.
Bitcoin
Ethereum
Solana
USDT
USDCTraditional crypto lenders charge exorbitant premiums. Clend offers transparent rates starting at 6.0% APR—no required platform tokens, no hidden spreads. Designed for serious holders.
A professional-grade borrowing rate with no hidden spread, no origination fees, and no required platform tokens. Interest is not paid monthly—unpaid interest is added to your loan balance and compounds within your LTV.
We operate on an over-collateralized lending model. Your assets are secured in our Fireblocks-powered vault with institutional-grade MPC technology. During the custody period, any staking rewards, airdrops, or hard fork proceeds generated from deposited collateral are retained by Clend. At our discretion, we may distribute a portion or all of such proceeds to borrowers. This lean, transparent structure is what makes a 6.0% APR possible.
Compared to the retail industry average of 15% APR.*
Register by providing basic information and submitting your identity verification documents.
After KYC completion, review your borrowing terms (amount, interest rate, duration, etc.) and sign the contract.
Deposit your digital assets. Stablecoins (USDT, USDC) will be transferred to you as early as the same day.
Get stablecoins instantly without selling your crypto.
*Simply enter the amount you want to borrow, and the required collateral will be calculated automatically.
| Collateral Asset | Max LTV | Monthly Interest Rate | Annual Rate (APR) |
|---|---|---|---|
|
Bitcoin (BTC)
|
60% | 0.50% | 6.0% |
|
Ethereum (ETH)
|
60% | 0.60% | 7.2% |
Ripple (XRP)
|
40% | 0.70% | 8.4% |
|
Solana (SOL)
|
40% | 0.70% | 8.4% |
|
Tether (USDT)
|
90% | 1.20% | 14.4% |
|
USD Coin (USDC)
|
90% | 1.20% | 14.4% |
| + Other Altcoins | 40% | 1.40% | 16.8% |
Supported collateral: BTC, ETH, USDT, XRP, USDC, Solana, Litecoin, BNB, ADA, Tron, Polkadot, Stellar, Chainlink, SHIBA, DOGE, Avalanche, Bitcoincash, Polygon, XAUT, Hype, Arbitrum, Uniswap, Dai (ERC20), TON, PEPE (ERC20), Worldcoin (ERC20)
*Some assets are currently being prepared for listing. Additional assets will be added in the future.
*LTV will increase gradually as unpaid interest is compounded into your loan balance.
Clend is built for investors who understand that selling appreciating assets for cash creates a massive, inefficient tax burden.
Access stablecoins against your digital assets without triggering capital gains tax, while maintaining 100% of your crypto portfolio’s future upside.
Medical bills, unexpected expenses, or urgent opportunities — access stablecoins typically within one business day without touching your portfolio.
Don't miss sudden market opportunities because your capital is tied up. Access deep liquidity starting at 6.0% APR to accumulate more assets or diversify your portfolio.
Your assets deserve the same protection as the world's most secure financial institutions. Clend partners with industry leaders to deliver zero compromise on security.
If your LTV exceeds 90% due to accumulated interest, your collateral may be subject to liquidation. For stablecoin collateral, the liquidation threshold is 95%.
Zero. Rates starting at 6.0% APR (0.50% monthly) are the only fee. There are no origination fees and no withdrawal fees. Full repayment is available from 61 days after contract execution. Partial repayment is permitted at any time. Interest is not paid monthly—unpaid interest is added to your loan balance and compounds into your LTV.
Once your collateral deposit is confirmed on the blockchain and contract procedures are finalized, stablecoin disbursements (USDT, USDC) are processed swiftly, with funds typically available within one business day.
At maturity, you can repay in full to reclaim your collateral. If repayment is not possible, your collateral is used to settle the outstanding balance. There are no additional penalties or credit score impacts.
The minimum borrowing amount is 30,000 USDT (or 30,000 USDC), equivalent to approximately ¥5,000,000, regardless of individual or corporate status (minimum collateral: ¥10,000,000 equivalent).
Clend is available in most countries worldwide. Availability may vary based on local regulations. Please check our eligibility page or contact us to confirm access in your region.
Register below and our team will be in touch shortly.
