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

MAX Exchange is a centralised cryptocurrency exchange operating in Taiwan that offers spot trading of digital assets against the New Taiwan Dollar through a matched order book. It provides API access for automated and institutional trading, recurring buy programs, and grid trading bots, alongside borrowing and yield features layered on top of custodial wallet balances. Fiat funds are held through bank trust custody arrangements, and the exchange supports deposits and withdrawals across a wide range of blockchain networks and tokens.

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.

Blockchain.com Wallet is a self-custody application that lets users buy, sell, swap, and store digital assets while retaining control of their private keys. It connects to decentralized applications, manages NFTs, and provides access to trading products including leveraged perpetual futures and a sub-minute prediction market alongside yield and crypto-backed lending features. The app serves retail users seeking a single interface for everyday crypto activity and DeFi access across multiple blockchain networks.

Blockchain.com Wealth is a premium investing platform for high-net-worth clients that combines a dedicated trading desk, yield-bearing deposit accounts, and crypto-backed loans. Clients place large orders through a concierge desk staffed with relationship managers rather than a public order book, earn yield on deposited assets at a stated rate, and borrow against holdings without selling them. The platform operates through its own account and interface separate from the general consumer application.

YouHodler is a fintech platform that lets users buy, exchange, and manage cryptocurrency and stablecoins through a unified account. Users can purchase assets with fiat, convert between cryptocurrencies and stablecoins, borrow cash against crypto collateral without selling holdings, and open leveraged directional positions on multiple pairs through a configurable multiplier tool called MultiHODL. The platform also includes a self-custody Web3 wallet, a yield account with tiered rewards on deposited assets, a gamified mining rewards feature, a cross-border payment address, and a tiered loyalty program, and is accessible through web and mobile apps.

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 is a centralized lending and yield product that allows account holders to deposit cryptocurrencies into flexible or fixed-term products to earn interest. Users select a supported asset and a duration, and the platform pools deposits to generate returns paid out at a stated annual percentage yield. It targets holders seeking passive income on idle crypto balances without managing DeFi positions themselves.

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.

Swyftx Crypto-Backed Loans is a lending product that lets personal Swyftx account holders in Australia borrow Australian dollars against Bitcoin held as security. Users apply, pledge Bitcoin as collateral, and receive approved funds deposited to their bank account, while monitoring the loan balance and making flexible repayments or adding collateral to maintain it. The loan is originated and managed by a licensed third-party consumer lender under a distribution partnership with Swyftx, distinct from Swyftx's own spot trading accounts.

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.

Cryptocurrency Investment Platform is a centralized exchange and investment platform for buying, selling, and swapping digital assets. It offers preconfigured portfolio bundles, scheduled recurring purchases, and staking and lending products that generate yield on deposited assets. Users can delegate holdings directly to validator infrastructure on-chain or opt into a fully managed investment mandate handled by the platform. It serves individual investors and businesses seeking to hold and grow cryptocurrency balances, operating under a Crypto-Asset Service Provider licence.

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.

Ledn Bitcoin-Backed Loans is a lending product that allows clients to borrow cash or stablecoins using Bitcoin as collateral without selling their holdings. Loans start at fifty percent loan-to-value, require no mandatory monthly payments, and use automated collateral top-ups and buffer thresholds to reduce liquidation risk. Larger loans qualify for tiered, lower interest rate pricing, and collateral is held with a qualified independent custodian.

B2X Loans is a leveraged Bitcoin product that combines a Bitcoin-backed loan with an automatic purchase of an equal amount of additional Bitcoin, instantly doubling a client's Bitcoin exposure. The loan and the newly purchased Bitcoin are managed together as collateral, with tiered annual percentage rates depending on loan size. When the loan is repaid, both the original collateral and the newly acquired Bitcoin are returned to the client.

Ledn Growth Accounts is a savings product that pays yield on Bitcoin and stablecoin deposits, funded by deploying client assets into Ledn's over-collateralized retail loan book. Clients earn a variable annual percentage yield with full visibility into how interest is generated, and can access separate account offerings for different supported stablecoins. The product has recorded no losses on its retail loan book to date.

Ledn Private Wealth is a relationship-managed service tier for clients seeking personalized support across Ledn's Bitcoin-backed lending and account products. It provides a dedicated relationship manager, expedited access for loans and transfers, and custom pricing and service terms. The offering is aimed at long-term Bitcoin holders requiring priority execution and tailored terms rather than standard self-service access.

Ledn Capital is an institutional lending offering that provides capital and credit facilities to counterparties using Bitcoin-related collateral structures, separate from Ledn's retail loan and account products. It is accessed through a dedicated institutional interface rather than the standard consumer platform. The offering serves institutional counterparties seeking bitcoin-backed financing at scale.

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.

Buda Créditos is a crypto-backed lending product that allows users to pledge bitcoin as collateral to receive an instant peso loan without selling their holdings. Borrowers choose flexible repayment terms, including interest-only, standard installment, or early full or partial repayment options. Collateral is held until the loan is repaid, after which the pledged bitcoin is released automatically.

Roqqu is a cryptocurrency exchange and wallet that lets users buy, sell, swap, and store digital assets. The app also provides crypto-backed loans, fixed-return savings products, virtual debit cards for spending crypto, and a Web3 wallet section for self-custody and onchain interactions. It serves individual users across Africa managing trading, saving, borrowing, and spending from a single mobile application.

Coinone is a centralized exchange with custody and order matching for KRW and crypto pairs. It supports fiat and crypto deposits, order book execution, and automated strategies via web and mobile. The platform also offers staking rewards on held assets, an automated grid trading bot, and collateralized borrowing against crypto holdings.

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.

ZKE Exchange is a centralized cryptocurrency exchange offering spot and margin trading, futures contracts, and copy trading through centralized order books and custody accounts. The platform also provides automated grid trading bots, tokenized real-world-asset trading, instant asset conversion, savings products, and crypto-collateralized loans, all accessed through a single account. A self-developed matching engine handles order execution, while cold and hot wallet separation, multi-signature controls, and a Merkle tree-based proof-of-reserves system support asset security and transparency. Users trade and manage funds across multiple blockchains through the same platform.

Unocoin is a centralized cryptocurrency exchange serving Indian users that enables buying, selling, and trading of Bitcoin and other digital assets against the rupee and select cryptocurrencies. It operates an order book spot exchange alongside instant buy and sell functionality, a leveraged futures and perpetual contracts venue routed through a third-party derivatives provider, and bilateral over-the-counter trading for bulk orders. Additional tools include a Systematic Buying Plan for automated recurring purchases using rupee-cost averaging, curated diversified crypto investment baskets, a fixed-return yield product for idle USDT holdings, and crypto-collateralized lending against holdings. The platform also offers a merchant gateway allowing online businesses to accept cryptocurrency payments and a sub-broker programme letting verified users place trades on behalf of registered clients. Access is available through web and mobile apps on iOS and Android, with a trading API for programmatic access.

SALT Lending is a centralized platform that lets holders of Bitcoin, Ether, and stablecoins access cash or stablecoin loans without selling their collateral. Borrowers pledge digital assets and receive financing based on a chosen loan-to-value ratio and term, with no credit check required. Accredited investors and businesses can also deposit digital assets to earn yield through the platform. Built-in risk-management tools include a no-liquidation loan upgrade and an automated collateral-to-stablecoin conversion feature that protects value during market downturns.

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.

Nonco Institutional Brokerage Platform is an institutional digital asset trading and liquidity service operated by a proprietary trading firm. It provides market making, algorithmic execution, over-the-counter block trading, lending, index pricing, and derivatives structuring for institutional counterparties across spot and derivative markets. Clients access these services through a web interface, application programming interfaces, or chat-based execution, with settlement handled via clearing, smart contracts, or bilateral arrangements. The platform trades as a principal using its own capital rather than acting as a broker or custodian.

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.