# VALR > Pro Trading, For Everyone VALR is a centralized cryptocurrency exchange for retail traders, businesses, and institutions. It offers spot, margin, and perpetual futures trading, yield products, crypto-backed loans, and payments. VALR is a centralized cryptocurrency exchange for retail traders, businesses, and institutions. Users buy and sell crypto through a swap terminal, trade on spot, spot margin, and perpetual futures order books, and fund accounts in several fiat currencies. It also lists tokenized real-world assets for trading. VALR Earn pays yield through staking and by lending funds to margin traders, while VALR Borrow gives instant loans against crypto collateral with no credit checks. An OTC desk fills large orders off the order book, and VALR Pay sends cash or crypto to a mobile number, email address, or Pay ID without fees. Custody uses multi-signature wallets and cold storage, and onboarding includes KYC checks. VALR for Business offers corporate accounts with sub-accounts, dual authorization, treasury tools, and stablecoin and payment services. The VALR API gives developers market data and trading access. The platform is used by retail traders, active traders, corporates, and institutions. - Type: Company - Sector: Finance - Status: Active - Founded: 2018-04-01 - Profile: https://thegrid.id/profiles/valr ## Products - [VALR Exchange](https://thegrid.id/profiles/valr): VALR Exchange is a centralized exchange where users buy and sell crypto through Simple Buy & Sell, a swap terminal that accepts bank transfers and several fiat currencies. Spot trading, spot margin with leverage, and perpetual futures run on order books with multiple order types and trading tools. Tokenized U.S. stocks and ETFs trade around the clock against stablecoins on the spot market, and crypto bundles are available for diversified exposure. Makers earn rewards for adding liquidity, and a referral program pays commissions. (Centralised Exchange, Live, Main Product) - [VALR Pay](https://thegrid.id/profiles/valr): VALR Pay is a payment service for sending cash or crypto to any mobile number, email address, or VALR Pay ID without fees. Payments between VALR accounts arrive instantly, and merchants can accept VALR Pay payments. (Peer to Peer & Remittance, Live) - [VALR API](https://thegrid.id/profiles/valr): VALR API gives developers programmatic access to VALR markets and accounts. It serves real-time and historical market data, supports shared accounts, and lets integrators create sub-accounts on demand. (Developer Tooling, Live) - [VALR OTC Desk](https://thegrid.id/profiles/valr): VALR OTC Desk fills large crypto orders off the order book through a trader who confirms asset, size, and price with the client. Quotes are single all-in prices with no transaction fees, forward rates can be arranged for later settlement, and trades settle on the VALR platform across several fiat currencies. (OTC, Live) - [VALR Earn](https://thegrid.id/profiles/valr): VALR Earn lets users earn yield on crypto in two ways. Steady Returns stakes supported assets on the user's behalf and pays rewards hourly, with funds unlockable at any time. Variable Earn lends funds to the VALR margin loan book, where hourly auctions match lending offers at a minimum rate the user sets. Funds placed in a lending offer cannot be traded or withdrawn until unlocked. (Savings & Yield, Live) - [VALR Borrow](https://thegrid.id/profiles/valr): VALR Borrow lets users take instant loans against crypto collateral without credit checks or selling their assets. Users pick the asset to borrow, secure the loan with one or more eligible assets that each carry their own loan-to-value ratio, and withdraw on-chain or convert to fiat. Collateral can be topped up or released as values change, and repaying the loan returns the collateral. (Centralised Borrowing & Lending, Live) - [VALR for Business](https://thegrid.id/profiles/valr): VALR for Business provides corporate accounts for companies and institutions, with shared access, dual authorization for withdrawals, role-based permissions, and segregated sub-accounts created on demand for end clients. It adds stablecoin conversion and minting, payment collection and settlement in fiat and stablecoins, and treasury tools for holding balances and deploying surplus capital. (Financial Services Platform, Live) ## Links - [Main](https://www.valr.com) - [Documentation](https://docs.valr.com) - [Blog](https://blog.valr.com) - [Media Kit/branding](https://www.valr.com/brand) - [Twitter / X](https://x.com/VALRdotcom) - [Instagram](https://instagram.com/valrdotcom) - [Facebook](https://facebook.com/VALRdotcom) - [LinkedIn](https://linkedin.com/company/valr) - [YouTube](https://www.youtube.com/@VALRCryptoExchange) - [Telegram](https://t.me/VALRdotcom) ## Legal This data is provided under two licensing models. Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation. Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service. 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 - a project's presence in The Grid's data does not imply endorsement. - [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