Save your crypto, borrow USDT against it
Join 35,000 people who have borrowed over $670M with us!
Flexible loan
Borrow and repay anytime. Perfect for a volatile market.
Fixed loan
For long-term crypto plans – invest without overpaying.
Stable loan
Keep savings in USDC, DAI, or USD1 but need USDT? This option is for you.
Borrow and repay anytime. Perfect for a volatile market.
For long-term crypto plans – invest without overpaying.
Keep savings in USDC, DAI, or USD1 but need USDT? This option is for you.
USDT
-
3 months
3M
6 months
6M
12 months
12M
Total repayment
-
Issuing fee
-
Maturity date
-
APR
-
Issuing fee
No fee
Monthly Interest
-
Ramesh Kumara
A super super crypto wallet very fast transaction and easy to use wow😍 trustworthy. thank you for this application.
Nikitocio
Nice app. I like the interface and how it is easy to use. Good job guys!
Puleng Soski Solven
Very easy and simple to sign up
Iván D. Perozo M.
Eficiente. Funciona muy bien
António Jaime Marasse
É a única carretora excelente, fácil e rápido, muito obrigado a equipe
solomonkein
J'utilise ce portefeuille de crypto depuis longtemps et je suis très satisfait. Il est très simple et facile à utiliser.
Anna B
Beautiful wallet. Great idea behind
Frda21
Sangat mudah digunakan. Tetap jaga kualitasnya yaaa!!!
Chamil Fernando
Best usdt wallet in the word
loveit turin
Consiglio quest’applicazione per chi vuole fare trading sicuro senza il rischio di perdere i soldi
Lalith (Sparrow)
My Bitcoins are safe now. 😁
Muku Elizade
Çox sadə ve rahat bir proqramdı.
Bitcoin-backed loans you can trust!
Cropty makes it easy and safe to tap into liquidity without having to sell your bitcoin. Here’s why bitcoin holders everywhere are fans of Cropty:
Global Access
Available in 100+ countries worldwide
Secure Custody
Your assets and collateral are protected with top-level security
120,000+ Loans
Already issued to over 35,000 users
$670M+ Borrowed
Total volume borrowed through Cropty Wallet
Your Gateway to Smarter Crypto Borrowing
Choose your loan
Stable
Borrow using stablecoins, up to 75% LTV
3 months
0% interest, repay in 3 months
6 months
0% interest, repay in 6 months
12 months
0% interest, repay in 12 months
Flexible
Instant USDT, no long-term commitment.
Loan currency
Tether USD
Maximum loan amount
$10,000 per loan & unlimited for each user!
Collateral
+50 tokens
Loan-to-value (LTV)
Up to 75%
APR
18%
Without interest
18%
Issuing fee
Free
4%
6%
10%
Free
Loan Term
∞
3 months *
6 months *
12 months *
∞
Recurring payments
No
Early Repayment
Yes
Yes, but the issuing fee is non-refundable.
Yes
Margin call LTV
90%
Liquidation LTV
97%
* After the loan term ends, if no repayment occurs, Fixed loan will be converted to Flexible.
How to Borrow Cryptocurrency
Getting a crypto loan is easy — just follow these simple steps.
1
Deposit Crypto Collateral
Add the cryptocurrency you want to use as collateral into your wallet. This is what secures your loan.
2
Create Your Loan
Go to the "Cryptoloan" tab, pick your collateral, and choose the amount you want to borrow.
3
Receive funds instantly
Once your loan is approved, the funds appear in your wallet right away. You can use them however you want.
How to Borrow Cryptocurrency
Getting a crypto loan is easy — just follow these simple steps.
Crypto Loans Explained
How do Crypto Loans work?
Fixed
Flexible
Submit Application
Choose your loan amount in USDT and select a term (3 / 6 / 12 months). Check the applicable fee (4% / 6% / 10%).
Choose Collateral
Select a cryptocurrency as collateral (TRX, BTC, ETH, etc.). Make sure the initial LTV is within the allowed limit.
Confirm Terms
Review all loan details: amount, term, fee, LTV, and liquidation price. Confirm to lock your collateral and pay the fee.
Receive Funds
Funds are credited instantly. Monitor your LTV—add more collateral if it rises to avoid liquidation.
Repay Loan
Repay your loan by the due date. Once repaid, your collateral is released. If not repaid, collateral may be sold at the liquidation price.
1
Submit Application
Choose your loan amount in USDT. The system calculates the maximum based on your collateral. APR 18%, no fees, liquidation price applies.
2
Choose Collateral
Select a cryptocurrency as collateral (TRX, BTC, ETH, etc.). Make sure the initial LTV is within the allowed limit.
3
Confirm Terms
Review all loan details: amount, term, fee, LTV, and liquidation price. Confirm to lock your collateral.
4
Receive Funds
Funds are credited instantly. Monitor your LTV — add more collateral if it rises to avoid liquidation.
5
Repay Loan
Repay anytime — no fixed date. Collateral is unlocked after repayment. If value drops to the liquidation level, it may be sold partly or fully.
Collateral Freedom
Choose from Bitcoin to altcoins — our wide selection lets you pick the perfect collateral for your loan.
Bitcoin
Get $81017 for 1 BTC
Ethereum
Get $2886 for 1 ETH
BNB
Get $801 for 1 BNB
Ripple
Get $180 for 100 XRP
Solana
Get $139 for 1 SOL
USD Coin
Get $750 for 1000 USDC
Tron
Get $242 for 1000 TRX
Dogecoin
Get $144 for 1000 DOGE
Cardano
Get $477 for 1000 ADA
ChainLink
Get $132 for 10 LINK
Bitcoin Cash
Get $358 for 1 BCH
Avalanche
Get $146 for 10 AVAX
Litecoin
Get $693 for 10 LTC
SHIBA INU
Get $748 for 100000000 SHIB
TON Coin
Get $161 for 100 TON
Cronos
Get $109 for 1000 CRO
Dai Stablecoin
Get $750 for 1000 DAI
Polkadot
Get $224 for 100 DOT
Zcash
Get $201 for 1 ZEC
Uniswap
Get $465 for 100 UNI
OKB
Get $121 for 1 OKB
Aave
Get $164 for 1 AAVE
World Liberty Financial
Get $926 for 10000 WLFI
NEAR Protocol
Get $166 for 100 NEAR
World Liberty Financial USD
Get $750 for 1000 USD1
Ethereum Classic
Get $117 for 10 ETC
Polygon
Get $146 for 1000 POL
Cosmos
Get $239 for 100 ATOM
VeChain
Get $128 for 10000 VET
Filecoin
Get $116 for 100 FIL
Tether Gold
Get $3108 for 1 XAUT
Immutable X
Get $376 for 1000 IMX
Quant
Get $611 for 10 QNT
First Digital USD
Get $749 for 1000 FDUSD
Tezos
Get $449 for 1000 XTZ
The Sandbox
Get $155 for 1000 SAND
TrueUSD
Get $748 for 1000 TUSD
Decentraland
Get $174 for 1000 MANA
Decentralized USD
Get $750 for 1000 USDD
Flow
Get $202 for 1000 FLOW
Chiliz
Get $241 for 10000 CHZ
Notcoin
Get $600 for 1000000 NOT
Binance USD
Get $750 for 1000 BUSD
DOGS
Get $453 for 10000000 DOGS
Hamster Kombat
Get $308 for 1000000 HMSTR
Catizen
Get $541 for 10000 CATI
Major
Get $808 for 10000 MAJOR
Maker
Get $1027 for 1 MKR
EOS
Get $211 for 1000 EOS
Huobi Token
Get $683 for 1000 HT
Unlock Endless Possibilities
With Cropty's Crypto-Backed Loans
FROM $1 TO $1M
Available for borrowing
Instant Approval
No Credit Checks
75% LTV
High Loan-to-Value Ratios
Big Buys Made Easy
Use your loan to renovate, get a new ride, fund your education, or take the vacation of your dreams.
Tax-Smart Moves
Access funds without selling your crypto and avoid potential taxable events. Smart, right?
More Crypto, More Fun
Collateralize your crypto and invest in other digital assets, stocks, gold, or even real estate.
Boost Your Biz
Grow your business without selling crypto—cover costs, pay employees, or seize opportunities.
Real Estate Ventures
Invest in property, buy your dream home, or fund renovations faster than with traditional loans.
Debt-Busting
Pay off high-interest debt with one simple loan—no credit checks needed!
Crypto Loan Calculator
Crunch the Numbers and Discover Your Loan Potential
USDT
-
3 months
3M
6 months
6M
12 months
12M
Flexible
APR
-
Issuing fee
-
Maturity date
-
Monthly Interest
-
Quarterly Interest
-
Yearly Interest
-
What is Cropty Crypto Loan?
Crypto Loans at Cropty, or loans backed by cryptocurrency, are a type of financial service that allows borrowers to obtain funds instantly by using their digital assets as collateral. Cropty's unique approach enables individuals to access liquidity without having to sell their cryptocurrencies, thus avoiding potential tax implications or loss of future appreciation.
Here's a step-by-step breakdown of how Crypto Loans work at Cropty:
Register on Cropty
First, you need to create an account on the trusted and reputable Cropty platform, which offers instant Crypto Loan services.
Deposit collateral
To obtain a Crypto Loan, you must deposit an amount of cryptocurrency as collateral. Cropty will securely store your digital assets for the duration of the loan. The amount of collateral required will depend on the Loan-to-Value (LTV) ratio, which is the proportion of the loan amount relative to the value of the collateral.
Loan approval
Once your collateral has been deposited, Cropty will assess the LTV ratio and instantly approve the loan without any credit checks, making it accessible for a wide range of borrowers.
Receive funds
After loan approval, you'll receive the funds in your designated account. Cropty only provides loans in the form of USDT (Tether), a stablecoin pegged to the US Dollar.
Flexible interest payments
During the loan term, you're not required to make regular interest payments. Instead, interest accrues over the loan duration, providing you with flexibility in managing your financial obligations.
Loan repayment
You can repay your loan at any time without incurring penalties. Once you've returned the borrowed USDT amount plus any outstanding interest, your collateral will be released back to you.
Defaulting and liquidation
If the value of your collateral falls below a specified threshold, Cropty may issue a margin call, requesting that you deposit additional collateral to maintain the LTV ratio. If you're unable to meet the margin call, Cropty may liquidate a portion or all of your collateral to recover the loan amount and any outstanding interest.
Crypto Loans at Cropty provide a flexible and instant financing solution for individuals looking to leverage their digital assets without having to sell them. As more people recognize the potential of cryptocurrencies and their role in the global financial ecosystem, Cropty's innovative financial product continues to gain popularity.
Crypto Loans vs Conventional Loans
Instant Crypto Loans
Conventional Loans
Boost Your Crypto Game
Grow your crypto portfolio without selling your assets, giving you more flexibility and potential.
Instant Crypto Loans
Conventional Loans
YES
NO
Lower Rates, More Savings
Enjoy competitive interest rates and save compared to conventional loans.
Instant Crypto Loans
Conventional Loans
YES
NO
Skip the Origination Fees
No origination fees, so you can focus on what really matters.
Instant Crypto Loans
Conventional Loans
YES
NO
Tax-Friendly
Avoid potential tax issues from selling crypto and benefit from tax-efficient solutions.
Instant Crypto Loans
Conventional Loans
YES
NO
Instant Approval
Get approved immediately, skipping the long waits of traditional loans.
Instant Crypto Loans
Conventional Loans
YES
NO
Paperless Process
Apply easily with our hassle-free, fully digital process.
Instant Crypto Loans
Conventional Loans
YES
NO
Flexible Repayments
Repay on your schedule, no mandatory monthly payments.
Instant Crypto Loans
Conventional Loans
YES
NO
Keep Your Credit Score Safe
Our loans don’t affect your credit score, keeping your financial reputation intact.
Instant Crypto Loans
Conventional Loans
YES
NO
Easily Track Your Loan in a Volatile Crypto World
Cropty helps you stay in control of your loan with smart features that make tracking simple and stress-free:
Margin Call Alerts
We send timely alerts when your collateral needs topping up or partial repayment to keep your loan safe.
Visual indicators let you quickly see your Loan-to-Value ratio, so you can make smart decisions on the fly.
Top Up Anytime
Add collateral or make extra payments anytime to avoid liquidation and keep your loan secure.
Collateral secures both you and the platform, giving instant access to USDT, eliminating default risk, and ensuring transparency.
Yes! Cropty Crypto Loans are fully secured by your collateral. Your assets stay locked while you get instant USDT liquidity, clear LTV monitoring, automatic protection, and no hidden fees.
Why Cropty
Trusted platform
Cropty has been operating since 2019, providing secure crypto services worldwide. Thousands of users rely on Cropty for safe storage, instant transactions, and reliable loans.
No credit check required
Your eligibility is based solely on your crypto collateral. Cropty never requires a credit score — get instant access to liquidity with no paperwork or delays.
Transparent rates and flexible options
Choose between fixed-term loans with a one-time origination fee (3, 6, or 12 months) or flexible loans with daily interest at 18% APR. No hidden costs, no monthly payment stress.
Secure collateral management
Your collateral is safely locked in your Cropty wallet. With real-time LTV monitoring, automatic liquidation protection, and immediate access to borrowed funds, your assets are always under control.
Backed by best
FAQ
What is Cropty Crypto Loan?
Cropty Crypto Loan is a secure, overcollateralized, and flexible loan product. Users can take loans by pledging their crypto assets as collateral. With Cropty, you don't have to worry about rehypothecation since we don't lend out your collateralized crypto to others.
How do I pledge my assets and start borrowing with Cropty Crypto Loan?
To start, choose the crypto you'd like to pledge as collateral and the amount you'd like to borrow. Ensure you have sufficient crypto assets in your account to cover the required collateral. Once the process is complete, your collateral will be locked, and the loan will be transferred to your account.
What is LTV, and how much can I borrow from Cropty Crypto Loan?
LTV (Loan-to-Value) represents the ratio between the value of the loan plus accrued interest and the value of your collateral. The LTV percentage determines how much you can borrow based on the collateral you pledge. For example, with a 50% LTV, if you pledge 1,000 USDT, you may borrow up to 500 USDT worth of assets.
Are there limits to how much I can pledge and borrow?
Yes, there are limits for each cryptocurrency. The maximum amount you can pledge or borrow depends on the specific crypto and may change periodically.
What is loan liquidation, and what is the liquidation LTV?
Loan liquidation occurs when the current LTV exceeds the liquidation LTV, which may happen if the collateral's value decreases or the loan's value increases. If liquidation occurs, you may lose some or all of your collateral.
What happens when a loan is liquidated?
When liquidation occurs, the outstanding loan amount will be repaid using the equivalent value of collateral. A partial liquidation happens when the liquidation doesn't fully cover the outstanding loan, and a full liquidation occurs when the entire loan is repaid using the collateral.
What is a margin call?
A margin call is a warning issued when your collateral-loan pair position reaches its margin call LTV. You can take action by adding more collateral or reducing the outstanding loan to lower the LTV.
Will I be notified in the event of margin calls or liquidations?
Yes, Cropty will send notifications via email and SMS in case of margin calls or liquidations. However, timely delivery of these notifications cannot be guaranteed.
What interest rate applies to my loan?
Cropty provides transparent interest rates for each cryptocurrency. Please refer to the platform for up-to-date interest rates.
How is interest accrued for my loan positions?
Interest accrues based on the total outstanding loan amount and the prevailing APR. The interest accrued is added to the total outstanding loan.
How do I repay my loan or adjust my LTV?
Use the 'Repay' or 'Adjust LTV' options in your account to repay loans or adjust collateral, respectively. You can only repay your loan using the same cryptocurrency you borrowed.
Which cryptocurrencies can I pledge or borrow on Cropty Crypto Loan?
Cropty Crypto Loan accepts a variety of cryptocurrencies as loanable and collateral assets. The list of available cryptocurrencies is updated periodically, so please refer to the platform for more information.
What can I do with the cryptocurrencies borrowed from Cropty Crypto Loan?
You can use the borrowed cryptocurrencies for various purposes, including trading, investing, or withdrawing from the platform. The collateral you pledge remains with Cropty as security for the repayment of your loan.
Can't find the answer to your question? Visit our support center