We gather the published terms of Europe's crypto-backed loan providers in one place, so you can compare starting rates, LTV limits and licensing before you apply.
Enter amount, collateral and duration: we estimate the minimum cost with each provider's published terms. Everything is calculated in your browser, nothing is sent.
Indicative estimate based on the lowest rates published by providers; the real cost depends on their conditions. Not an offer or financial advice.
Figures below are taken from each provider's own public pages and may change without notice. Always confirm rates, fees and eligibility on the provider's site before applying.
No payment from the providers we compare: the links to loan providers on this page are not paid links, and we receive no commission from anyone who lends. This publication is funded by subscriptions and by data licensing.
How we order: EU-authorised providers first, then declared-but-unverified, then non-authorised, then DeFi; within each group by lowest published starting rate. Not the whole market; final terms are set by the provider. Full method
Crypto credit line for EEA clients: borrow EUR, GBP or USD to your bank, or stablecoins, against 100+ assets. Custody and brokerage run through BaFin-authorised MiCA partners; the loan itself is outside MiCA's scope.
Peer-to-peer bitcoin loans: your BTC is locked in a 3-of-3 multisig escrow and the loan is paid in EUR to your bank account. MiCA-authorised in Slovakia and passported to Italy; the lending itself is outside MiCA. 3 to 24 months, plus a 1.5% yearly fee.
Major exchange authorised as a MiCA CASP by the Central Bank of Ireland and passported to Italy. Fixed-rate Flexline loans from 2 days to 2 years, or a variable Borrow line paid in EURC. Kraken states its loans are not a regulated credit product.
Spanish exchange authorised as a MiCA CASP by the CNMV and passported to Italy. Loans against BTC, ETH, SOL or XRP are paid out in EURC or USDC stablecoins. In its own terms of service Bit2Me states the loan service is neither regulated nor supervised, and no public document names the entity that lends.
Spanish platform offering fixed-term loans: from 4% on stablecoin collateral and 8–10% on BTC, ETH, XRP or SOL, plus a 1% origination fee. Custody with BitGo. States MiCA authorisation from Spain's CNMV, not yet visible in the ESMA register when we checked.
Revolving crypto credit line with 0% interest while your LTV stays at or below 20%; the rate above that is not published. Run by non-EU entities (Canada MSB, El Salvador) with no MiCA authorisation. Fireblocks custody across 21 collateral assets.
The largest DeFi lending protocol. Non-custodial and permissionless, with market-set variable rates across 60+ assets; borrowing stablecoins cost around 4–5% in September 2026. Not regulated under MiCA: no investor protection, and smart-contract and liquidation risk are yours.
Non-custodial DeFi lending protocol built on isolated markets. Borrowing USDC against cbBTC on Base cost about 4.9% in September 2026. Not regulated under MiCA: no investor protection, and smart-contract and liquidation risk are yours.
One of the original DeFi lending protocols. Compound III markets lend USDC or ETH against collateral such as ETH and WBTC; USDC borrowing was around 6% in September 2026. Not regulated under MiCA: no investor protection, and smart-contract and liquidation risk are yours.
Rates last checked: 2026-09-21
Who holds the crypto while the loan is running is not a detail: if the collateral sits on the lender's balance sheet, a failure takes it with it.
CheckSig, a MiCA CASP authorised by Consob, does not lend — it holds the crypto pledged as collateral for loans agreed between a lender and a borrower.
Enter your collateral and target LTV to see the maximum loan, the margin call threshold and the lowest published rate for that asset.
Indicative only. Prices are pulled live from CoinGecko; rates, fees and liquidation rules are set by each provider and are not included in this estimate.
Tax resident in Italy? Since 2026 crypto gains are taxed at 33%: compare selling with borrowing. Open the calculator (Italian)
From comparison to funds received — usually within 24 hours.
Filter by asset and provider type, and check the starting rate and LTV limits.
Complete KYC/AML directly on the provider's own platform.
Transfer your crypto to the provider's custodian or to a smart contract.
Get EUR or stablecoins, then repay on the provider's terms.
We are a comparison site. We are not a lender, a broker or a financial adviser.
We record the licences and registrations each provider states publicly, and link to the source so you can check it yourself.
Starting APRs as advertised by each provider, with the date we last checked them.
Where a provider publishes insurance, cold storage or proof-of-reserves details, we surface them.
Simulate collateral value, maximum loan and the margin call threshold before you commit.
Narrow the list by collateral asset and by CeFi or DeFi model.
We re-check each provider's published terms every month and date the page accordingly.
Context you should understand before pledging collateral.
MiCA applies across all 27 EU member states, with a unified CASP authorisation regime phased in from December 2024. Note that crypto-backed lending is not itself fully harmonised under MiCA — treatment still varies by member state.
For each provider we record, where the provider publishes it:
Beyond MiCA, providers may hold registrations with national regulators such as CONSOB and OAM in Italy, CNMV in Spain, BaFin in Germany or the AMF in France.
Crypto assets are not covered by EU deposit guarantee schemes. If your collateral falls in value, it can be liquidated in full.
Nine providers, their published starting rates and their stated licences — side by side.
One email a month with the updated starting rates of European providers, MiCA licence news and changes in terms. No financial advice, no spam.
