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With a crypto adoption at a record high, more investors turn into loans supported by crypto to unlock liquidity without selling their assets.
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As the worldwide crypto acceptance speeds up, investors are increasingly seeking ways to gain access to liquidity without selling their assets. Crypto-supported loans have risen more popular, allowing crypto owners to use their crypto companies as collateral to borrow funds. This approach enables investors to retain ownership of their crypto and to prevent taxable events such as sales, while having access to liquidity for new investments, operating costs, large purchases and more.
To serve the demand for crypto loans, a whole industry has emerged. Nowadays there are different offers from crypto loan platforms, each with different models, rates and value propositions, which complicates the decision -making process for many potential borrowers. To simplify choosing the best crypto credit platform, here are the five top options for 2025.
1. Rocko
Rocko is an easy-to-use, crypto-loan marketplace that collects the best rates and protocols in Defi and offers a one-stop solution for securing competitive loans supported by crypto. Users can compare interest rates and easily borrow from Top Defi protocols such as Aave and Morpho. Rocko’s design is easy to use for crypto users of all levels, so that everyone can get a loan within a few minutes and receive the money immediately to their desired exchange account.
Rocko also offers useful loan management tools, such as reports to check the collateral value and a refinancing instrument with which borrowers can refinance their loan in one click. Rocko supports many large cryptos such as collateral, including Bitcoin, Ethereum, Solana and more.
Advantages:
- Compare and access to various competing interest rates.
- Non-legal platform so that borrowers keep control over their crypto.
- Compatible with every Ethereum wallet and accounts at centralized fairs such as Coinbase.
- No monthly minimum payments and no required repayment date.
Disadvantages:
- No loan options with fixed interest.
- Few tools for implementing very lever strategies.
2. Aave
Aave is one of the earliest Defi -Leenprotocols and remains one of the most established struggle with many years of tested. Aave takes care of the range and borrowing different crypto assets in many ethereum-based networks. The flexibility and considerable depth of the liquidity of the protocol make it a popular platform for people with more technical fame and Defi experience.
Advantages:
- Fully decentralized and open source.
- Broad assets and network support.
- Functions such as flash loans and borrowing efficiency mode.
Disadvantages:
- Hard to use for less experienced users.
- Interest rates can fluctuate wildly.
3. Unchained
Unchained focuses exclusively on Bitcoin Financial Services, including Bitcoin-Stunder Loans. Although it is a centralized credit platform, the multi-key structure distinguishes it, so that several parties consent to any movement of collateral. This joint guardianship model appeals to those who prioritize control and transparency over BTC loan schemes.
Advantages:
- Bitcoin-collateral loans without rehypothecation.
- 2-3 multisig model can increase security.
- Collaboration guardianship for extra transparency.
Disadvantages:
- No support for other crypto in addition to Bitcoin.
- Mainly tailored to institutional clients.
- Interest rates can be high compared to decentralized options.
4. LEDN
LEDN is a crypto -financial service provider that offers loans against Bitcoin and Ethereum with the help of a third party custodian, Bitgo. Borrowers can choose whether their collateral is again hypothecated, which can reduce the interest they pay.
LEDN is one of the first centralized crypto companies that completes a proof-of-reserve certificate that can offer potential users any certainty. They also offer a Bitcoin-Loan product that automatically buys more Bitcoin with the yield, which is perhaps attractive for Bitcoin owners who want to increase their exposure.
Advantages:
- Choice about rehypothecation of collateral.
- Completed proof-of-reserves certificate.
- Loan product that automatically buys more Bitcoin.
Disadvantages:
- Interest rates can be high compared to decentralized options.
- High admin costs.
5. Nexo
NEXO offers a wide guardianship platform that supports a wide range of crypto assets. Loans are usually approved quickly, without credit controls, who appeal to those who seek immediate access to Fiat or Stablecoin -Liquidity. The platform emphasizes the convenience, but with the consideration of the Custodial Trust and Rehypothecation Risk.
Advantages:
- Quick approval process.
- No credit score required.
- Wide selection of supported crypto assets.
Disadvantages:
- Collateral can be again hypothecated, which increases the risk of borrowers.
- Service that is not available in certain jurisdictions such as the US.
Conclusion
While the crypto -credit landscape is constantly evolving, these five crypto loan platforms are at the top of the list for the best crypto loan platforms from 2025. Each offers a different model and value proposition to borrowers and we encourage potential users to investigate the options themselves what is most logical for them. Whether borrowers want a easy-to-use platform with access to many competitive rates, such as Rocko, or a centralized option with multi-sig institutional detention, such as Unchained, there is an option for everyone.
Read more: Semler Scientific wants to collect $ 500 million for Bitcoin, Coinbase taps for crypto -supported loans
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