Keep your crypto. Keep your upside. Get the cash you need — without selling, without capital gains tax, and without the rates other platforms charge.
No forced liquidation. No hidden fees. Email us to get started.
Bitcoin
Ethereum
Solana
USDT
USDCTraditional crypto lenders charge exorbitant premiums. Clend offers a flat, transparent 1.2% professional-grade rate—designed for serious holders.
A professional-grade borrowing rate with no hidden spread, no origination fees, and no required platform tokens. Built for simplicity. Designed for transparency.
We operate on a pawn-style model—your assets stay in our vault, are never lent out, and are never rehypothecated. That structural simplicity is what makes a 1.2% APR possible.
Compared to the retail industry average of 15% APR.*
Transfer your BTC, ETH, SOL, or other premier digital assets to our highly secure, Fireblocks-backed custody infrastructure.
Receive up to 50% of your collateral's value in fiat or stablecoins promptly, without triggering taxable events.
Enjoy a simple, flat 1.2% APR with 12-month automated renewals. Pay down your principal whenever it suits your strategy.
Instantly see the exact cost of liquidity. No hidden fees, no opaque spreads—just transparent, fixed professional rates.
* Rate is subject to change based on market conditions.
Clend is built for investors who understand that selling appreciating assets for cash creates an inefficient, massive tax burden.
Access a fiat down payment against your digital assets without triggering capital gains tax, while maintaining 100% of your crypto portfolio’s future upside.
Medical bills, unexpected expenses, or urgent opportunities — access cash typically within one business day without touching your portfolio.
Don't miss sudden market opportunities because your cash is tied up. Access deep liquidity at 1.2% APR to accumulate more assets or diversify your portfolio.
Your assets deserve the same protection as the world's most secure financial institutions. Clend partners with industry leaders to deliver zero compromise on security.
No. Your assets are strictly held as collateral in a pawn-style structure. There are no price-based liquidation triggers or margin calls. Your loan remains safe and open regardless of market volatility.
Zero. The 1.2% APR (0.1% monthly) is the only fee. There are no origination fees, no withdrawal fees, and no penalties for early repayment.
Once your collateral deposit is confirmed on the blockchain and contract procedures are finalized, fiat disbursements are processed swiftly, with funds typically available within one business day.
At maturity, you can repay in full to reclaim your collateral. If repayment is not possible, your collateral is used to settle the outstanding balance. There are no additional penalties, credit score impacts, or legal consequences.
Clend is available in most countries worldwide. Availability may vary based on local regulations. Please check our eligibility page or contact us to confirm access in your region.
Ready to get started? Send us an email and our team will be in touch promptly.