# Ledn

> Borrow Against your Bitcoin Securely

Ledn is a digital asset financial services company offering bitcoin-backed loans and crypto savings accounts. It lets users access liquidity, earn interest, and trade digital assets without selling their holdings.

Ledn is a digital asset lending and savings company that lets holders of bitcoin and other digital assets access liquidity, earn yield, and trade without giving up their underlying holdings. Its core offering is bitcoin-backed loans, alongside growth accounts for stablecoins, fixed-term notes tied to target prices, and an integrated trading feature spanning several supported assets.

The company addresses a common problem for asset holders who need cash but do not want to sell their bitcoin and trigger a taxable event or lose future upside. Loans are collateralized with bitcoin held through qualified independent custodians, and the company publishes periodic reserve and liability reports to support transparency. It operates in a large number of jurisdictions, with product availability varying by region.

Beyond its flagship bitcoin-backed loan, Ledn offers a B2X product for increasing bitcoin exposure, growth accounts for holding and earning on stablecoins, dual cryptocurrency notes, and tokenized gold alongside a private wealth program for larger clients. It is used by individual holders seeking liquidity or yield as well as by clients of its private wealth services.

- Type: Company
- Sector: Finance
- Status: Active
- Founded: 2018-01-01
- Profile: https://thegrid.id/profiles/ledn

## Products

- [Ledn Bitcoin-Backed Loans](https://thegrid.id/profiles/ledn): 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. (Centralised Borrowing & Lending, Live, Main Product)
- [Ledn Trade](https://thegrid.id/profiles/ledn): Ledn Trade is a spot trading platform that lets account holders convert instantly between Bitcoin, gold-backed tokens, and multiple stablecoins with a single flat spread and no commissions. The service offers multiple trading pairs and executes trades continuously, including weekends, using Ledn's custodial infrastructure. It is aimed at clients seeking to rebalance holdings between the two assets without leaving the platform. (Centralised Exchange, Live)
- [Dual Cryptocurrency Notes (DCN)](https://thegrid.id/profiles/ledn): Ledn Dual Cryptocurrency Notes are structured yield products that generate enhanced returns by combining crypto yield with price exposure through an options-based mechanism, allowing clients to earn above-market yields in exchange for potential asset conversion at maturity. (Derivatives, Live)
- [B2X Loans](https://thegrid.id/profiles/ledn): 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. (Centralised Borrowing & Lending, Live)
- [Ledn Growth Accounts](https://thegrid.id/profiles/ledn): 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. (Centralised Borrowing & Lending, Live)
- [Ledn Private Wealth](https://thegrid.id/profiles/ledn): 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. (Centralised Borrowing & Lending, Live)
- [Ledn Capital](https://thegrid.id/profiles/ledn): 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. (Centralised Borrowing & Lending, Live)

## Links

- [Main](https://www.ledn.io)
- [Blog](https://www.ledn.io/blog)
- [Documentation](https://help.ledn.io)
- [Terms of Service](https://www.ledn.io/legal/terms-of-service)
- [Privacy policy](https://www.ledn.io/legal/privacy-policy)
- [Twitter / X](https://x.com/hodlwithLedn)
- [LinkedIn](https://linkedin.com/company/ledn-inc)
- [Facebook](https://facebook.com/Ledn.io)
- [Instagram](https://instagram.com/ledn.io)
- [YouTube](https://www.youtube.com/@LednInc)

## Legal

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The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
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- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP