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.
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.
Affiliate disclosure: some links on this page are partner links. If you open an account through one, we may receive a commission from the provider at no cost to you. This never changes the order, the ratings or the figures shown.
One of Europe's best-known crypto lenders. Borrow EUR, GBP or USD against 40+ cryptocurrencies. Holds several EU registrations and states $375M of custodial insurance cover.
Revolving crypto credit line operating under a Czech VASP registration. Interest is charged only on capital actually drawn. States Fireblocks custody across 19 collateral assets.
Swiss-based lender with direct EUR payouts. Fixed-term loans with stated LTV ratios across 50+ assets.
European platform offering instant credit lines and fixed-term loans, with optional insurance add-ons on EUR loans.
The largest exchange lending desk by volume. Borrow stablecoins and convert to EUR via SEPA. Terms from 7 to 180 days.
Leading DeFi lending protocol. Non-custodial and permissionless, with algorithmic variable rates across 30+ assets. No KYC, but you manage liquidation risk yourself.
Spain's largest regulated exchange, CNMV-registered. EUR loans backed by BTC and ETH, paid out via SEPA.
Crypto credit lines with no fixed repayment deadline — repayment is on your own schedule, which suits irregular income.
One of the original DeFi lending protocols. Algorithmic rates, non-custodial, widely used across Europe.
Structured fixed-term loans aimed at long-term BTC holders and institutional clients in Europe.
Rates last checked: 2026-09-17
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.
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.
Ten providers, their published starting rates and their stated licences — side by side.