In 2025, crypto lending experienced a huge increase, with outstanding loans reaching an unprecedented level. By the end of the third quarter, the total value of crypto-backed loans had reached $73.59 billion. This expansion was characterized by a transition towards transparent, fully secured models and the growing influence of DeFi platforms.

Crypto lending solutions allow users to borrow and lend tokens without traditional banks, credit checks, or intermediaries.

For businesses, launching a crypto lending platform opens new revenue opportunities and expands their product ecosystem, especially when integrated as part of a white-label crypto solution. Want to know how? We will tell you about this in this article!

A small reminder – don’t hesitate to visit our website to learn more about all services we can develop specifically for your business and according to your personal request quickly, without delays and bugs!

What Is a Crypto Lending Platform?

A crypto lending platform is a decentralized or centralized application that enables users to borrow cryptocurrency by providing collateral or “lend” their crypto assets (Bitcoin, Ethereum, other tokens, or stablecoins) to earn interest.

This model empowers individuals globally to access financial services without relying on traditional banking systems.

The platform manages collateral, liquidations, crypto loan issuance, and interest distribution automatically through blockchain technology.

Business Benefits of a DeFi Lending Platform

From a commercial standpoint, cryptocurrency lending offers a powerful value proposition:

  • New revenue streams through interest rates, loan fees, and withdrawal fees. So your business can attract more lenders and borrowers to gain profit.
  • High user engagement: lending and borrowing encourage users to keep assets within your ecosystem.
  • Scalability: crypto lending can seamlessly integrate into wallets, exchanges, and fintech apps.
  • Low operational overhead thanks to automated smart contracts for different types of crypto.
  • Global accessibility: no banking restrictions, allowing businesses to serve worldwide audiences with their loan platforms.

With a white‑label solution, companies can integrate crypto lending directly into their existing product and start generating income immediately.

Cons and Challenges to Be Aware Of

While crypto lending offers huge potential, businesses should consider several challenges:

  • Market volatility:  sudden price drops in collateral can trigger liquidations.
  • Regulatory uncertainty: lending rules vary significantly by country.
  • Security risks: smart contract vulnerabilities, hacks, or custodial issues.
  • Liquidity requirements: platforms must maintain adequate reserves.
  • User education: borrowers and lenders need clear explanations of risks and terms.

These risks can be mitigated by partnering with an experienced development team, conducting regular audits, and implementing strict security protocols.

How to Monetize a Crypto Lending Platform

Crypto lending opens multiple monetization channels, including:

  • Interest rate spreads: earnings on the difference between borrower and lender interest.
  • Loan origination fees: fixed or percentage-based.
  • Withdrawal or processing fees.
  • Staking or yield‑boosting services.

White‑label crypto products make this especially easy. You can deploy lending functionality instantly and start generating passive income.

Earn With Built‑In Crypto Lending in Your White‑Label Product

We want to remind, that Evercode Lab provides ready‑to‑launch crypto lending modules with robust security and flexibility:

Borrowing

Users can borrow cryptocurrency by providing collateral: no credit checks, no banks. Our solution supports 300+ digital assets: from cryptocurrencies to stablecoins.

Lending

Enable users to lend their crypto and earn interest starting from just $100, boosting engagement and platform retention. Users can earn interest on crypto while you can earn additional revenue.

Interest Rates

Support fixed or variable rates depending on your chosen model, all fully configurable.

No Credit Checks

A more inclusive financial model accessible to anyone, anywhere.

High‑Level Security

Cold wallet storage, 2FA, multi‑layer security protocols, and custodial protection keep all borrower and lender assets safe.

Build Your Crypto Lending Platform With Evercode Lab

If you want to save development time, reduce cost, and launch a secure, market‑ready product faster, our white‑label crypto lending solution is the perfect solution.

Whether you’re looking to build a crypto lending platform or a fully packed white label crypto wallet,  we can help design and deliver a solution that aligns with your goals. 

Just book a call with our experienced team to discuss the future development of your service face-to-face in detail.