Crypto Loans Is Now Live on Web: Borrow Flexibly While Eligible Collateral Continues Earning Hold to Earn Yield

KuCoin is pleased to announce that Crypto Loans, a flexible and efficient digital asset borrowing service, is now available on the Web platform.

Crypto Loan was first launched on the App on May 15, 2026. With this release, the same loan experience is now accessible from your desktop browser.

What Is Crypto Loans?

Crypto Loans allow users to use multiple assets as collateral to borrow other assets. For example, users can pledge digital assets such as BTC as collateral to borrow assets such as USDT.

All collateral assets and borrowed assets are managed under one integrated Crypto Loan position. During the collateral period, eligible collateral assets can continue earning Hold to Earn yield, helping users access liquidity while eligible holdings continue to earn under that product's own rules.

What's New on the Web

- Full loan flow in your browser. Apply, pledge collateral, review terms and confirm — without switching to the App.

- Position management on Web. View your integrated position, including collateral value and LTV, and repay or redeem collateral from the Web platform.

- Same terms as the App. Collateral assets, borrowable assets, interest rates, limits, LTV thresholds and risk rules are identical across App and Web. The web is an additional access channel, not a separate product.

- No separate sign-up. If you are already verified and eligible, log in with your existing account.

Product Highlights

1. Now Available on Both App and Web

Crypto Loans can be accessed on the KuCoin App and the Web platform. Users can choose either channel and manage the same integrated position; nothing needs to be re-created or migrated. 

2. Multi-Asset Collateral and Borrowing

Crypto Loans support multiple crypto assets as collateral and allow users to borrow multiple crypto assets at the same time. All borrowing relationships are managed under one integrated position, making it easier for users to flexibly manage their funding needs.

3. Eligible Collateral Can Continue Earning earning Hold to Earn Yield

During the collateral period, eligible collateral assets can continue earning Hold to Earn yield. The yield will be automatically distributed to users’ Funding Accounts, allowing assets to keep generating returns while being used as collateral for Crypto Loan. Please note: To ensure your collateral continues earning Hold to Earn yield during the collateral period, please enable Hold to Earn, before using Crypto Loan. 

4. Dynamic Borrowing Interest Rates and Hourly Interest Calculation

Borrowing interest rates for each asset are dynamically adjusted based on market supply and demand and updated hourly. Borrowing interest is calculated and accrued on an hourly basis. Users can view supported assets, borrowing interest rates, and related data on the Crypto Loan page in real time. 

5. Integrated Crypto Loan Position Management

Users' multi-asset collateral and borrowed assets will be managed under one integrated Crypto Loan position. The system will monitor the LTV ratio, risk warnings, and liquidation risk based on the overall position in real time.

6. Multi-Level Risk Control

Crypto Loans use Initial LTV, Warning LTV, and Liquidation LTV to monitor position risk in real time. When the LTV reaches the warning level, the system will issue a risk warning. If the LTV reaches the liquidation threshold, the system will automatically trigger the liquidation process. (Threshold values per approved risk parameters — see "LTV Ratio and Risk Control" below.)

Supported Assets and Launch Availability

Crypto Loans currently support the following borrowable assets and collateral assets:

LTV Ratio and Risk Control 

The LTV ratio shows how much you have borrowed compared to the value of your collateral and reflects the current risk level of your position.

LTV Ratio = Total Borrowed Asset Value ÷ Collateral Margin Value × 100%

Collateral Margin Value = Collateral Amount × Index Price × Tiered LTV Ratio

To help users manage risk, the system defines three key thresholds:

Threshold values:

When the LTV reaches the liquidation threshold, the system will sell part of the collateral and buy back the borrowed assets to repay the loan until the LTV returns to the warning level. Your position may be fully liquidated if its value is too low or if there is a risk of negative equity. A liquidation fee will be charged based on the value of liquidated assets. See the asset-specific liquidation fee rate for details.

How to Use Crypto Loans on the Web

1. Log in to your KuCoin account on the Web platform;

2. Complete Platform KYC Verification;

3. Go to Earn Overview and enter the Crypto Loans page;

4. To ensure your collateral continues earning Hold to Earn yield during the collateral period, please enable Hold to Earn for the corresponding asset first.

5. Select the supported collateral asset and borrowable asset;

6. Enter the collateral amount and borrowing amount;

7. Confirm the loan details to complete borrowing;

8. Repay your loan or redeem collateral based on your needs.

The same steps are available in the KuCoin App. Borrowed assets will be credited to your Funding Account. When the LTV remains within a safe range, you can redeem part or all of your collateral.

Thank you for your support!

Risk Warning

Crypto Loans involve market risk, liquidity risk, interest rate risk, and liquidation risk.

Digital asset price volatility may cause the LTV to rise quickly, triggering risk warnings or liquidation. In extreme market conditions, liquidation orders may experience significant slippage due to insufficient liquidity. Floating interest rates may also increase borrowing costs.

To reduce risk, users should manage their borrowing size reasonably and avoid excessive leverage; monitor their LTV regularly and add collateral or repay when needed; and fully understand and comply with the platform's borrowing limits and collateral limit rules.