A Credit Line lets you borrow USDT, USDC or EUR* against your crypto. It works more like a credit limit than a loan: you take what you need, when you need it, and repay when it suits you.
No fixed term. Many crypto loans run for a set period. A Credit Line has no end date.
No monthly payments. There's no repayment schedule. Repay any amount from your Wallet whenever you like, or all of it at once.
Interest only on what you use. With a loan, you pay interest on the full amount from day one. Here, interest starts only when you move funds to your Wallet, and only on that amount. While your LTV is below 20%, the rate is 0%.
Nothing to pay if you don't use it. Opening a Credit Line and leaving it unused costs nothing, and there's no fee to open or close one.
Several assets in one Credit Line. Many crypto loans take a single asset as collateral. You can combine several of the supported assets and add new ones at any time: for example, open with Bitcoin and add Ethereum later.
Add or withdraw collateral at any time. Add collateral to lower your LTV, or withdraw what you don't need, within your LTV limits.
Several Credit Lines at once. You can open more than one Credit Line at a time, for example one in USDT and one in USDC.
*New Credit Lines in EUR are temporarily paused. We're working to bring them back. See Why can't I deposit or withdraw EUR?