YieldBorrow · live APR
Borrow against crypto —
without selling it.
Cheapest CeFi
0.01%
ADA · KuCoin
Cheapest DeFi
0.32%
WBTC · aave v3
Cheapest loan desk
from 8%
Crypto.com · LTV 50%
CeFi
Exchanges & loan desks
KuCoin D · Margin borrow from 0.01% 14 assets
KuCoin D · Margin borrow | Borrow asset | Borrow APR |
|---|---|
| ADA | 0.01% |
| AVAX | 0.01% |
| BNB | 0.01% |
| BTC | 0.01% |
| DOGE | 0.01% |
| DOT | 0.01% |
| ETH | 0.01% |
| LINK | 0.01% |
| LTC | 0.01% |
| SOL | 0.01% |
| TRX | 0.01% |
| USDC | 0.01% |
| USDT | 0.01% |
| XRP | 0.01% |
Binance C · Margin borrow from 0.43% 14 assets
Binance C · Margin borrow | Borrow asset | Borrow APR |
|---|---|
| BTC | 0.43% |
| LINK | 0.52% |
| DOT | 0.77% |
| ETH | 2.17% |
| AVAX | 2.29% |
| BNB | 2.95% |
| LTC | 3.14% |
| DOGE | 3.68% |
| XRP | 3.81% |
| ADA | 4.59% |
| USDT | 4.93% |
| USDC | 4.95% |
| SOL | 5.97% |
| TRX | 9.44% |
OKX B · Margin borrow from 0.51% 14 assets
OKX B · Margin borrow | Borrow asset | Borrow APR |
|---|---|
| BTC | 0.51% |
| ADA | 1.01% |
| BNB | 1.01% |
| DOGE | 1.01% |
| DOT | 1.01% |
| ETH | 1.01% |
| LINK | 1.01% |
| LTC | 1.01% |
| XRP | 1.01% |
| USDC | 3.5% |
| USDT | 3.5% |
| SOL | 4% |
| TRX | 12.7% |
| AVAX | 21.4% |
Gate.io B · Margin borrow from 0.53% 14 assets
Gate.io B · Margin borrow | Borrow asset | Borrow APR |
|---|---|
| BTC | 0.53% |
| ADA | 0.73% |
| DOT | 1.47% |
| LINK | 1.52% |
| ETH | 2.03% |
| AVAX | 2.21% |
| BNB | 2.65% |
| SOL | 2.66% |
| XRP | 2.67% |
| LTC | 3.15% |
| USDC | 4.99% |
| USDT | 5.08% |
| DOGE | 5.2% |
| TRX | 16.69% |
Poloniex · Margin borrow from 0.99% 11 assets
| Borrow asset | Borrow APR |
|---|---|
| LINK | 0.99% |
| BTC | 3.65% |
| ETH | 3.65% |
| TRX | 5% |
| ADA | 5.91% |
| LTC | 5.99% |
| XRP | 5.99% |
| DOGE | 7.99% |
| USDT | 20.08% |
| BNB | 30% |
| SOL | 30% |
Crypto.com C · Crypto-backed loan from 8% LTV 50%
Crypto.com C · Crypto-backed loan | Borrow asset | Borrow APR |
|---|---|
| USDC, USDT, BTC, ETH | 8% |
2% at 25% LTV, 6% at 33%, 8% at 50% (minus 2% with 100k+ CRO locked)
Get loan on Crypto.com 
Bitfinex D · P2P funding from 9.36% 3 assets
Bitfinex D · P2P funding | Borrow asset | Borrow APR |
|---|---|
| BTC | 0% |
| USDT | 9.36% |
| ETH | 10.36% |
Ledn F · Crypto-backed loan from 11.49% LTV 50%
Ledn F · Crypto-backed loan | Borrow asset | Borrow APR |
|---|---|
| USD, USDC, USDT | 11.49% |
From 11.49%; down to 9.25% for 2M+ loans; includes a 2% admin fee
Get loan on Ledn 
Nexo C · Crypto-backed loan from 15.9% LTV 50%
Nexo C · Crypto-backed loan | Borrow asset | Borrow APR |
|---|---|
| USDC, USDT, fiat | 15.9% |
Tiered 10.9-18.9% by NEXO loyalty; as low as 0-2.9% only at LTV under 20% with a large NEXO stake
Get loan on Nexo 
WhiteBIT B · Fixed fee (margin) from 21.34% 1 asset
WhiteBIT B · Fixed fee (margin) | Borrow asset | Borrow APR |
|---|---|
| USDT, BTC, ETH, + | 21.34% |
Flat 0.0585%/day fee, the same for every asset (about 21.3% APR)
Get loan on WhiteBITDeFi
On-chain money markets
aave v3 · Ethereum from 0.32% 8 markets
| Borrow asset | Supply APR | Borrow APR |
|---|---|---|
| WBTC | 0% | 0.32% |
| LUSD | 0.55% | 2.06% |
| WETH | 1.47% | 2.06% |
| GHO | 0% | 4.25% |
| USDC | 3.54% | 4.29% |
| DAI | 3.18% | 4.8% |
| USDS | 0.16% | 5.53% |
| USDT | 5.01% | 5.92% |
aave v3 · Polygon from 0.68% 3 markets
| Borrow asset | Supply APR | Borrow APR |
|---|---|---|
| WBTC | 0.01% | 0.68% |
| WETH | 0.32% | 1.67% |
| USDC | 3.23% | 6.35% |
aave v3 · Arbitrum from 0.77% 4 markets
| Borrow asset | Supply APR | Borrow APR |
|---|---|---|
| WBTC | 0.02% | 0.77% |
| WETH | 1.05% | 2.06% |
| USDC | 2.95% | 3.82% |
| DAI | 1.99% | 3.84% |
euler v2 · Base from 1.48% 1 market
| Borrow asset | Supply APR | Borrow APR |
|---|---|---|
| WETH | 1.2% | 1.48% |
dolomite · Ethereum from 1.52% 2 markets
| Borrow asset | Supply APR | Borrow APR |
|---|---|---|
| WETH | 0.55% | 1.52% |
| USDC | 3.24% | 5.2% |
sparklend · Ethereum from 1.93% 6 markets
| Borrow asset | Supply APR | Borrow APR |
|---|---|---|
| WETH | 1.48% | 1.93% |
| USDT | 3.4% | 3.97% |
| USDS | 2.56% | 4.13% |
| USDC | 3.39% | 4.18% |
| DAI | 2.71% | 4.24% |
| PYUSD | 1.48% | 4.34% |
aave v3 · Base from 2.03% 2 markets
| Borrow asset | Supply APR | Borrow APR |
|---|---|---|
| WETH | 1.41% | 2.03% |
| USDC | 3.8% | 4.7% |
dolomite · Arbitrum from 2.83% 3 markets
| Borrow asset | Supply APR | Borrow APR |
|---|---|---|
| WBTC | 1.14% | 2.83% |
| WETH | 2.17% | 3.5% |
| USDC | 3.7% | 7.25% |
morpho blue · Arbitrum from 2.96% 1 market
| Borrow asset | Supply APR | Borrow APR |
|---|---|---|
| WBTC | 0% | 2.96% |
compound v3 · Arbitrum from 3.48% 2 markets
| Borrow asset | Supply APR | Borrow APR |
|---|---|---|
| USDT | 2.57% | 3.48% |
| USDC | 3.03% | 3.84% |
compound v3 · Ethereum from 3.85% 2 markets
| Borrow asset | Supply APR | Borrow APR |
|---|---|---|
| USDT | 3.05% | 3.85% |
| USDC | 4.48% | 5.4% |
aave v3 · BSC from 3.97% 2 markets
| Borrow asset | Supply APR | Borrow APR |
|---|---|---|
| USDT | 2.9% | 3.97% |
| USDC | 3.62% | 4.46% |
morpho blue · Base from 4.83% 1 market
| Borrow asset | Supply APR | Borrow APR |
|---|---|---|
| WETH | 0% | 4.83% |
venus core pool · BSC from 4.86% 2 markets
| Borrow asset | Supply APR | Borrow APR |
|---|---|---|
| USDT | 3.15% | 4.86% |
| USDC | 3.82% | 5.35% |
morpho blue · Ethereum from 5.01% 2 markets
| Borrow asset | Supply APR | Borrow APR |
|---|---|---|
| WBTC | 0% | 5.01% |
| WETH | 0% | 5.17% |
aave v3 · Avalanche from 5.33% 2 markets
| Borrow asset | Supply APR | Borrow APR |
|---|---|---|
| USDT | 4.33% | 5.33% |
| USDC | 5.2% | 6.28% |
fluid lending · Arbitrum from 5.68% 1 market
| Borrow asset | Supply APR | Borrow APR |
|---|---|---|
| WBTC | 0.02% | 5.68% |
fluid lending · Ethereum from 5.99% 1 market
| Borrow asset | Supply APR | Borrow APR |
|---|---|---|
| WBTC | 0.1% | 5.99% |
sky lending · Ethereum from 9.25% 1 market
| Borrow asset | Supply APR | Borrow APR |
|---|---|---|
| WETH | — | 9.25% |
morpho blue · Polygon from 19.57% 1 market
| Borrow asset | Supply APR | Borrow APR |
|---|---|---|
| WBTC | 0% | 19.57% |
🧠
How this works. You deposit collateral (BTC/ETH), borrow stablecoins against it, and repay whenever. If your collateral falls too far, it gets liquidated. Keep LTV conservative, borrow only what you can repay, and remember rates float with utilization.
Full guideBorrow APR is variable and moves with the market — figures here are snapshots, not guaranteed rates.
⚠ Availability may be restricted in your country — these lists change and we can't re-check each one, so verify on the platform before you borrow.
Borrowing against crypto carries liquidation risk: if your collateral falls, you can lose it. Not financial advice.