Best Crypto Loan Providers 2026: Borrow Fiat Using Crypto Collateral

High LTV = higher liquidation risk.

Liquidation Policy

If collateral value drops, the platform may partially or fully liquidate assets to maintain loan health.

Collateral Diversity

Using multiple coins reduces volatility risk and increases credit limits.

Repayment Flexibility

Credit lines (Clapp) allow full control; fixed-term loans follow structured repayment plans.

Crypto-backed fiat borrowing in 2026 is more sophisticated, regulated, and accessible than ever. Clapp stands out with its zero-cost standby credit line, multi-collateral structure, and seamless access to EUR and stablecoins.

Nexo, Binance Loans, YouHodler, and Arch Lending round out the strongest options, each serving different user profiles—from flexible borrowers to those who prefer structured agreements.

As the market continues to mature, crypto-to-fiat lending is becoming a reliable financial tool for investors who want liquidity without sacrificing long-term positions.

Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.