Crypto Lending
Borrow Against Your Digital Assets Without Selling
Access the cash you need without giving up your crypto. Retired.com’s Crypto Lending service lets you borrow against your non-IRA cryptocurrency holdings, so you can unlock liquidity while keeping your long-term positions intact.
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Borrow Against Your Crypto in Minutes
1. Open and Fund an Account
Sign up with Retired.com in minutes. Fully online with secure identity verification.
2. Submit a Loan Request
Enter your loan amount and select your preferred terms. See dynamic options including loan-to-value ratios and repayment plans.
3. Receive Your Funds
Once approved, your crypto collateral is secured and funds are deposited directly to your bank account.
Top Benefits of Crypto Lending with Retired.com
Strategies
Your Crypto Lending Blueprint, for Free
Want to learn how crypto-backed loans work, what loan-to-value ratios mean, and how borrowing against crypto compares to selling? Explore our resource center for in-depth guides, calculators, and strategies.
Learn Before You Borrow with Retired.com’s Crypto Lending Content
The latest insights on crypto-backed lending, loan-to-value strategies, repayment options, and best practices.
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Frequently Asked Crypto Lending Questions
What is crypto lending through Retired.com?
Crypto lending through Retired.com lets you borrow against your non-IRA cryptocurrency holdings. Instead of selling your crypto and potentially triggering a taxable event, you use it as collateral to secure a loan. You keep ownership of your crypto while accessing the cash you need.
How does a crypto-backed loan work?
You submit a loan request through Retired.com’s platform, specifying the amount you want to borrow. Based on the value of your crypto collateral, you’ll see available loan-to-value (LTV) options and repayment terms. Once you select your terms and the loan is approved, your crypto is secured as collateral and the loan proceeds are delivered to you.
What is a loan-to-value (LTV) ratio?
The loan-to-value ratio determines how much you can borrow relative to the value of your crypto collateral. For example, a 50% LTV means you can borrow up to half the value of the crypto you pledge. Lower LTV ratios generally mean lower risk and may offer more favorable terms.
Which cryptocurrencies can I use as collateral?
Retired.com supports a range of popular cryptocurrencies as collateral for lending. Eligible assets typically include Bitcoin, Ethereum, and other major digital assets. Contact our lending specialists for the current list of supported collateral types.
Is this available for crypto held in my IRA?
Crypto Lending through Retired.com is specifically designed for non-IRA held crypto. If you hold crypto outside of your retirement account, you can use those holdings as collateral. For crypto held inside an IRA, explore our other Retired.com features such as Crypto Trading, Crypto Staking, and Crypto Bundles.
What happens if the value of my collateral drops?
If the market value of your collateral drops significantly, you may receive a margin call asking you to add more collateral or repay part of your loan to maintain the required loan-to-value ratio. All margin call thresholds and procedures are disclosed clearly before you commit to a loan.
What are the repayment options?
Retired.com offers flexible repayment options to fit your financial needs. Specific repayment types and schedules are presented during the loan application process based on your loan amount and selected terms. Our specialists can walk you through all available options.
What fees are associated with crypto lending?
All fees, including interest rates, origination fees, and any other charges, are fully disclosed before you commit to a loan. Retired.com believes in complete transparency. You’ll see a full breakdown of costs during the application process so there are no surprises.
How is my collateral kept safe?
Your crypto collateral is held securely through Retired.com’s institutional-grade lending infrastructure. The same security standards that protect our IRA custody services apply to your lending collateral, including cold storage and multi-layer security protocols.
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