The evolution of crypto is baked in the DNA of Blockchain itself, and today the buying and selling of tokens feels outdated and, to be honest, a bit boring. An exciting development that attracts attention is the rise of loans supported by crypto, a financial innovation with which users can use their crypto interests to gain access to liquidity without selling them.
Crypto loans work in the same way as traditional secure loans. Instead of setting up a house or car as collateral, users promise digital assets such as Bitcoin (BTC) or Ethereum (ETH) to borrow Fiat -Malutas such as USD. This model opens new possibilities for crypto holders, so that they can unlock the value of their assets while they are still exposed to potential future profit.
But how exactly do crypto -loans work? What are the most important benefits and risks? And how does the figure of the figure stand out?
What are loans supported by crypto?
In a loan (CBL) supported by Crypto (CBL), borrowers deposit their digital assets as collateral with a lender, who in return offers a loan in Fiat of Stablecoins. As with a mortgage or car loan, the collateral serves as safety. If the borrower does not pay back, the lender can liquidate the assets.
Crypto loans offer faster access to funds, greater flexibility and often fewer requirements than traditional loans. However, they come with their own risks, in particular the volatility of crypto prices. If the value of the dedicated assets falls considerably, borrowers can be confronted with margin calls or even liquidation, unless they add more collateral or repay part of the loan early.
How to define Crypto -Loingen
Figure recognizes the growing demand for liquidity without sacrificing the market exposure, figure has introduced a new approach of loans supported by Crypto. With their offer, users can borrow cash against their Bitcoin or Ethereum -Holdings without having to sell them. This means that users can continue to invest in the potential benefit of the market and at the same time have access to the funds they need.
The loans of the figure are supplied with clear and simple conditions. They have the lowest interest rates on the market at 8.91% (less than 50% LTV) and 12.4% (up to 75% LTV). Leers have access to a maximum of 75% of the value of their crypto assets, depending on their risk profile. Each loan has a period of 12 months, no fines for advance payment and especially no rehypothecation. This makes the process both accessible and transparent for users who are looking for flexible liquidity solutions.
Getting a loan with figure is designed to be simple. After depositing their crypto assets, users select their desired loan conditions and quickly receive the money directly in their bank account. Borrowers can choose to pay or postpone interest on a monthly interest until the term of the loan, although postponing entails extra costs. However, if the value of the collateral falls during the loan period, the figure will issue a margin call, so that borrowers must add more collateral or reimburse the loan in part or fully to maintain the required loan value ratio.
Safety First: the power of decentralized MPC custody
Security is the core of the supply of figure. To protect users’ assets, the platform uses decentralized Multi-Party Computation (MPC) Guardianship, an advanced cryptographic technique that removes individual failure points.
With figure, your bitcoin is protected in decentralized MPC portfolios, which means that your bitcoin will never leave your FM wallet and you can immediately verify on the chain, so that you always know where your bitcoin is.
This advanced security infrastructure combines self -assured principles with guarantees of institutional quality and offers users of peace of mind without having control over their assets.
Conclusion
Crypto -supported loans, such as those offered by Figure, represent a significant evolution in decentralized finances. They enable users to unlock liquidity without sacrificing their investment positions and bringing the benefits of speed, flexibility and security into one seamless experience.
By giving priority to user control, transparency and protection of institutional quality, Figure helps to redefine the credit landscape for crypto holders. As the acceptance of digital assets continues to grow worldwide, solutions if they play a crucial role in bridging the gap between traditional finances and the new digital economy.
For more information or a loan supported by Crypto, visit Figure.
Disclaimers
© 2025 Figure Lending LLC
Figure Lending LLC DBA Figure 650 S. Tryon Street, 8th floor, Charlotte, NC 28202. 888) 819-6388. NMLS ID 1717824. For license information, go to www.nmlsconsumeraccess.org Opens in a new window .. Equal Opportunity Lender for general customer support, BEL (888) 819-6388 Monday-Free Day, 06.00-21.00 (excluding holidays) Sunday sun
Digital currency is not a legal means of payment, is not supported by the government and BIA accounts are not subject to FDIC or SIPC protection.
Crypto -Loingen are offered to our borrowers by Figure Lending LLC. This product is not available to American residents of DC, ID, IL, KY, MD, MS, SD, TX, VT or VA.
Crypto Loans Are Offered through Figure Markets Credit LLC to Residents of the State of New York and to International Customers Except in the Following Jurisdictions: Crimeal (Ukraine), Donetsk (Ukraine), Luhansk, Afghanistan, Afghanistan, Afghanistan, Afghanistan, Afghanistan, Afghanistan, Afghanistan, Afghanistan, Afghanistan, Afghanistan, Afghanistan, Afghanistan, Afghanistan, Afghanistan, Afghanistan, Afghanistan, Afghanistan, Afghanistan, Albicus, Albicania, Albicania, Albicania, Albicania, Albicania, Albicania. (The Democratic Republic), Cuba, Ethiopia, Haiti, Iran (Islamic Republic van), Iraq, Lebanon, Libya, Mali, Myanmar (Burma), Nicaragua, Nigeria, Noord -Korea (Democratic People’s Republic), Somistan, Shapistan,, Shared, Palesta, Paleston,, Balestan,, Balestan,, Shadaudaud,, Balestan,, Balestan,, Balestan,, Songistan,, Balestan,, Songistan,, Songistan,, Songistan,, Songistan,, Songistan,, Shadon,, Songistan,, Shadon,, Shadon,, Shadaudan,, Salesta Syria, Ukraine, Venezuela, Yemen, or Zimbabibwe.
Figure Markets Credit LLC. 650 S. Tryon Street, 8th floor, Charlotte, NC 28202. (888) 926-6259. NMLS ID 2559612. For license information, go to www.nmlsconsumeraccess.org opens in a new window. Figure Lending is not affiliated with Figure Market Holdings, Inc., Figure Technologies, LLC or one of the subsidies.
Crypto loans start at a minimum of $ 5,000, subject to national and jurisdiction-specific legal restrictions. Your loan amount will ultimately depend on the amount of collateral on your account and your suitability will be determined by your state or jurisdiction of stay, credit profile and other personal information available at the time of your application.
- General minimum and maximum loan amounts may vary subject to state -specific legal restrictions.
- The interest rate on the Loan of Figure supported by Crypto is 8.91% (9.999% APR) at 50% LTV or 11.50% (12.62% Apr) up to 75%. The advertised annual percentage (APR) is based on a loan amount of $ 5,000 and considers the payment of 1% origin costs, which would yield a monthly payment of $ 42.47. The rates will be higher for applications that are protected by assets with a higher LTV ratio. The Crypto loan supported by Crypto has a repayment period of 12 months and ensures a maximum initial LTV ratio of 75%. The interest rates change regularly, so that your exact interest rate depends on the date you apply and can depend on many factors such as LTV ratio.
The post the future of crypto -loans: Figure places security and flexibility for the first time first appeared on Beincrypto.
