List of Centralised Borrowing & Lending projects on Bitcoin (2026)

Bitnob Lending is a crypto-backed business lending service that provides fast, automated loans secured by digital asset collateral. Users deposit BTC or USDT as collateral and receive loan disbursements in minutes with transparent terms, configurable loan periods, and dashboard-based repayment tracking.

BitMart Earn offers fixed and flexible savings, staking and dual-investment products that let account holders deposit crypto and earn interest or staking rewards.

Cwallet Loan is a centralized lending feature that allows users to borrow against collateralized crypto for liquidity without selling holdings.

XT Earn is a centralized yield platform offering flexible and fixed-term savings, on-chain staking and wealth-management products.

EMCD Account is a custodial multi-asset platform account that stores, sends, receives, and swaps digital assets across multiple blockchain networks through a single login and dashboard. From the same account, users access savings under the Coinhold or Grow brand for daily-credited yield, peer-to-peer crypto-to-fiat trading, a centralized exchange for instant swaps, fiat on and off ramps, a crypto-backed lending product called OnLock, and a linked spending card. The account also provides delegated staking for select proof-of-stake assets, an index and real-world-asset investment offering marketed as Indesk or Portfolio, and tokenized U.S. equities and pre-IPO exposure branded xStocks, all settled through the same trading account. Every capability is reached through the shared web and mobile sign-in rather than a separate account or standalone application.

Biconomy Earn is an interest-bearing account that lets exchange users lock supported coins for fixed terms and earn yield.

Hotcoin Earn allows account holders to deposit cryptocurrencies in flexible or fixed-term products to earn interest.

Wirex App, also presented under the Wirex One branding, is a self-custody wallet and multi-currency account platform for holding, exchanging, and spending digital and traditional currencies. Users exchange between cryptocurrencies and fiat, access flexible and fixed-term savings and short-duration dual-currency investment products, and use crypto-backed borrowing against their holdings. A linked debit card lets holders spend balances directly at merchants with cashback rewards, and a premium membership tier unlocks priority support and expanded features for qualifying balances. The app combines these functions within a single account and interface rather than as separate services. It serves individual consumers seeking one place to manage, grow, borrow against, and spend both crypto and fiat money.

Amber Premium Digital Wealth Management is a managed investment platform for institutional and high-net-worth clients seeking structured digital asset exposure. It offers structured investment products such as dual currency strategies and regulated strategic funds that combine centralized and decentralized liquidity. The platform also provides collateralized lending against digital asset holdings and a regulated fiat on/off-ramp for converting between crypto and fiat currencies. Clients access these services through dedicated web and mobile applications supported by a personal relationship management model.

Bitstamp Earn is a comprehensive cryptocurrency earning platform offered by Bitstamp that allows users to generate passive income from their digital assets through crypto-lending

Blynex Loan is a crypto-collateralized borrowing service where users deposit digital assets as collateral to access loans of up to 50% of the collateral value in USDT. A 0% APR grace period applies, with flexible package options for loan duration.

Busha is a consumer cryptocurrency exchange app that lets individuals buy, sell, and convert a wide range of digital assets using local currency on-ramps. It offers automated recurring purchases, instant conversions between assets, and peer-to-peer sending and receiving of crypto and stablecoin balances. The app also includes savings plans with an interest-free option, crypto-backed loans collateralised by supported digital assets, a stablecoin-backed virtual USD card for global spending, and bill payment tools. All these features operate within a single account and interface, giving users a combined trading, saving, borrowing, and spending experience.

1KPrime Lending is a centralized lending service that extends credit to institutions against Bitcoin collateral. Loans of up to 70 percent loan-to-value are funded the same day in stablecoins or fiat currency, with collateral held at Tier-1 custodians without rehypothecation. The service also accepts other digital assets as collateral and manages risk through defined margin-call and liquidation thresholds.

Lemon Card is a payment card product offering both a prepaid VISA card and a credit VISA card for spending pesos and fiat currencies while linked to a Lemon account. The prepaid card converts wallet balances at the point of sale and rewards purchases with Bitcoin cashback, while the credit card extends a peso credit line backed by pledged Bitcoin holdings, repayable monthly without selling the underlying collateral. Both card types integrate with the Lemon wallet for real-time spending, contactless payments, and configurable limits. The product serves users who want to spend digital assets or access short-term credit without liquidating their crypto holdings.

Zerocap Treasury Management is a crypto-fiat treasury and lending service for corporate and institutional clients providing insured MPC custody secured by Lloyd's of London, international fiat-to-stablecoin on/off-ramp for supply chain settlements, crypto-backed lending solutions, and access to structured products across bonds, FX, and digital assets. Clients manage digital asset portfolios with T+0 to T+1 blockchain settlement across global banking rails, with tier-based authorization workflows, multi-wallet whitelisting, and a secure trading portal with streaming pricing and RFQ.

Crypto Life Card is a payment card that converts digital assets held in a self-custody wallet into fiat at the point of purchase, letting users spend crypto at merchants worldwide. Users top up and manage the card from a connected web3 wallet or the platform's web application, earning cashback on purchases. The platform also provides a crypto-backed credit line and a fixed-term loan, letting users borrow against crypto holdings as collateral without selling them. Borrowing terms and spending limits can be improved by staking the platform's native token.

Bitbns Exchange is a centralised exchange for spot, margin, and futures cryptocurrency trading in India. It matches limit orders across a wide range of digital assets, offers VIP fee tiers that scale down with trading volume and BNS token holdings, and supports leveraged margin borrowing alongside futures contracts with maker and taker fees. Traders can place stop-limit and trailing bracket orders or automate strategies through an API, while fixed deposit products let holders earn yield on idle balances. INR deposits and withdrawals are currently paused for maintenance, though crypto deposits, withdrawals, and trading remain active.

Buda Créditos provides cryptocurrency-backed lending services, allowing users to collateralize Bitcoin to receive peso loans with flexible payment options. The service offers up to 50% loan-to-value ratios with monthly interest rates starting at 1%.

Quantia Platform is a prime brokerage service providing institutional-grade crypto custody, staking rewards, lending, and trading through Swiss-regulated infrastructure. The system integrates MPC cryptography with hardware isolation while connecting to tier-one liquidity providers through ClearLoop without delegating asset custody.

SALT Lending enables centralized crypto-backed borrowing and lending, accepting Bitcoin, Ethereum, and stablecoins as collateral. Borrowers receive fiat or stablecoin loans without credit checks, while accredited investors earn yield by providing liquidity. The platform includes automated margin monitoring, SALT Shield for margin call protection, and Stabilization for collateral conversion to USDC during market volatility.

Ledn Bitcoin-Backed Loans allow clients to borrow cash or stablecoins using BTC as collateral, with tiered pricing for larger loans, plus B2X loans that instantly double Bitcoin exposure without monthly interest payments.

Leverage product enabling users to double Bitcoin exposure by using existing BTC holdings as collateral to purchase additional Bitcoin, executing instant automated loan-to-purchase transactions with integrated collateral management and liquidation protection mechanisms.

Ledn Growth Accounts offer yield on Bitcoin and stablecoins by deploying client assets into Ledn's BTC-collateralized retail loan book, with a proven track record of no loan losses.

ikigii Loans is a centralized lending service that provides dollar or stablecoin loans collateralized by Bitcoin. Users pledge BTC as collateral to receive a loan of up to fifty percent of its value, with the platform managing custody of the collateral and assessing loan terms. Loans carry a one-year term with renewal options, fixed annual interest, and no penalty for early repayment, giving Bitcoin holders access to liquidity without selling their holdings.

ViaBTC Collateral-Pledged Loans is a centralized lending service that allows miners to borrow USDT by pledging cryptocurrency assets as collateral without liquidating their holdings. Users can pledge BTC, BCH, LTC, or DOGE to access liquidity for operational expenses such as electricity and equipment costs. The service features a minimum loan of 50 USDT with no upper limit, a fixed annual interest rate of 9.9%, instant loan approvals, and flexible repayment directly from mining earnings. Repayments can be made at any time without fixed due dates, and interest is calculated daily using simple interest.

Voltage Credit is a revolving line of credit for businesses denominated in USD or Bitcoin, with payments processed over the Bitcoin Lightning Network. Businesses draw from the credit line to send instant payments over Lightning or on-chain, then repay from a bank account or in BTC on a set schedule. A USD-denominated line keeps cryptocurrency off the corporate balance sheet entirely. A BTC-denominated line serves businesses operating natively in Bitcoin, with credit limits that scale based on transaction volume. Carries zero origination fees and a fixed APR on outstanding balances. Available to qualified businesses in the United States, operated by Voltage Credit, LLC (NMLS ID: 2676234).

Reserve is a centralized Bitcoin-backed lending platform that facilitates USD and GBP loan disbursement against BTC collateral held in segregated custody. The platform maintains a defined LTV ratio with automated margin call monitoring and graduated liquidation thresholds. Lenders provide capital, earn annual yield, and retain the option to receive BTC settlement on liquidation events. Collateral custody is handled via multi-signature providers with no rehypothecation of client assets.