{"id":4939,"date":"2026-08-24T17:12:29","date_gmt":"2026-08-24T14:12:29","guid":{"rendered":"https:\/\/evercodelab.com\/blog\/?p=4939"},"modified":"2026-08-24T17:12:30","modified_gmt":"2026-08-24T14:12:30","slug":"crypto-loans-explained","status":"publish","type":"post","link":"https:\/\/evercodelab.com\/blog\/crypto-loans-explained\/","title":{"rendered":"Crypto Loans Explained: How Lending Against Digital Assets Works"},"content":{"rendered":"<div class=\"wp-block-group ecl-ai-article\">\n\n<style>\n.ecl-ai-article {\n  --ecl-green: #9ECD58;\n  --ecl-blue: #1B3070;\n  --ecl-black: #1E1E1E;\n  --ecl-muted: #1E1E1E;\n  --ecl-border: #E7ECF4;\n\n  width: 100% !important;\n  max-width: 1320px !important;\n  margin: 0 auto !important;\n  padding: 0 24px 60px !important;\n  color: var(--ecl-black) !important;\n}\n\n.ecl-ai-article * {\n  box-sizing: border-box !important;\n}\n\n.ecl-ai-article strong,\n.ecl-ai-article b {\n  color: var(--ecl-black) !important;\n  font-weight: 900 !important;\n}\n\n.ecl-ai-article a {\n  color: var(--ecl-green) !important;\n  font-weight: inherit !important;\n  text-decoration: underline !important;\n  text-decoration-thickness: 2px !important;\n  text-underline-offset: 4px !important;\n}\n\n.ecl-ai-article a strong,\n.ecl-ai-article a b {\n  color: var(--ecl-green) !important;\n  font-weight: 900 !important;\n}\n\n.ecl-ai-hero {\n  max-width: 900px !important;\n  padding: 0 0 20px !important;\n}\n\n.ecl-ai-lead {\n  color: var(--ecl-muted) !important;\n  font-size: 18px !important;\n  line-height: 1.65 !important;\n  margin: 0 0 14px !important;\n}\n\n.ecl-key-takeaways {\n  width: 100% !important;\n  max-width: 900px !important;\n  background: #ffffff !important;\n  border: 1px solid var(--ecl-border) !important;\n  border-left: 7px solid var(--ecl-green) !important;\n  border-radius: 30px !important;\n  padding: 30px 34px !important;\n  margin: 20px 0 42px !important;\n  box-shadow: 0 18px 46px rgba(27, 48, 112, 0.08) !important;\n}\n\n.ecl-key-takeaways h2 {\n  color: var(--ecl-black) !important;\n  font-size: 27px !important;\n  line-height: 1.2 !important;\n  letter-spacing: -0.025em !important;\n  margin: 0 0 18px !important;\n}\n\n.ecl-key-takeaways ul {\n  margin: 0 !important;\n  padding: 0 !important;\n  list-style: none !important;\n}\n\n.ecl-key-takeaways li {\n  position: relative !important;\n  color: var(--ecl-black) !important;\n  font-size: 17px !important;\n  line-height: 1.65 !important;\n  list-style: none !important;\n  padding: 0 0 0 27px !important;\n  margin: 0 0 12px !important;\n}\n\n.ecl-key-takeaways li::marker {\n  content: \"\" !important;\n}\n\n.ecl-key-takeaways li:last-child {\n  margin-bottom: 0 !important;\n}\n\n.ecl-key-takeaways li::before {\n  content: \"\" !important;\n  position: absolute !important;\n  top: 11px !important;\n  left: 0 !important;\n  width: 9px !important;\n  height: 9px !important;\n  background: var(--ecl-green) !important;\n  border-radius: 50% !important;\n}\n\n.ecl-ai-section {\n  margin: 44px 0 !important;\n}\n\n.ecl-ai-section h2 {\n  max-width: 940px !important;\n  color: var(--ecl-black) !important;\n  font-size: clamp(30px, 3vw, 42px) !important;\n  line-height: 1.14 !important;\n  letter-spacing: -0.035em !important;\n  margin: 0 0 24px !important;\n}\n\n.ecl-ai-section h3 {\n  max-width: 900px !important;\n  color: var(--ecl-black) !important;\n  font-size: 26px !important;\n  line-height: 1.18 !important;\n  letter-spacing: -0.03em !important;\n  margin: 34px 0 18px !important;\n}\n\n.ecl-ai-section p,\n.ecl-ai-section li {\n  color: var(--ecl-muted) !important;\n  font-size: 18px !important;\n  line-height: 1.75 !important;\n}\n\n.ecl-ai-section p {\n  max-width: 900px !important;\n  margin: 0 0 14px !important;\n}\n\n.ecl-ai-highlight {\n  width: 100% !important;\n  max-width: 900px !important;\n  background: #ffffff !important;\n  border: 1px solid var(--ecl-border) !important;\n  border-left: 7px solid var(--ecl-green) !important;\n  border-radius: 30px !important;\n  padding: 30px 34px !important;\n  margin: 30px 0 !important;\n  box-shadow: 0 18px 46px rgba(27, 48, 112, 0.08) !important;\n}\n\n.ecl-ai-highlight p {\n  color: var(--ecl-black) !important;\n  font-size: 20px !important;\n  line-height: 1.55 !important;\n  margin: 0 !important;\n}\n\n.ecl-ai-final-cta {\n  width: 100% !important;\n  max-width: 900px !important;\n  background: #ffffff !important;\n  border: 1px solid var(--ecl-border) !important;\n  border-left: 7px solid var(--ecl-green) !important;\n  color: var(--ecl-black) !important;\n  border-radius: 30px !important;\n  padding: 38px 40px !important;\n  margin: 58px 0 !important;\n  box-shadow: 0 18px 46px rgba(27, 48, 112, 0.08) !important;\n}\n\n.ecl-ai-final-cta p {\n  color: var(--ecl-black) !important;\n  font-size: 18px !important;\n  line-height: 1.7 !important;\n  margin: 0 !important;\n}\n\n.ecl-ai-faq {\n  margin-top: 72px !important;\n}\n\n.ecl-ai-faq h2 {\n  color: var(--ecl-black) !important;\n  font-size: clamp(30px, 3vw, 42px) !important;\n  line-height: 1.14 !important;\n  letter-spacing: -0.035em !important;\n  margin: 0 0 28px !important;\n}\n\n.ecl-ai-faq details {\n  max-width: 900px !important;\n  background: #ffffff !important;\n  border: 1px solid var(--ecl-border) !important;\n  border-radius: 22px !important;\n  padding: 22px 24px !important;\n  margin-bottom: 14px !important;\n  box-shadow: 0 12px 32px rgba(27, 48, 112, 0.05) !important;\n}\n\n.ecl-ai-faq summary {\n  cursor: pointer !important;\n  color: var(--ecl-black) !important;\n  font-size: 18px !important;\n  line-height: 1.35 !important;\n  font-weight: 900 !important;\n  list-style: none !important;\n}\n\n.ecl-ai-faq summary::-webkit-details-marker {\n  display: none !important;\n}\n\n.ecl-ai-faq summary::after {\n  content: \"+\" !important;\n  float: right !important;\n  color: var(--ecl-blue) !important;\n  font-size: 24px !important;\n  line-height: 1 !important;\n}\n\n.ecl-ai-faq details[open] summary::after {\n  content: \"\u2013\" !important;\n}\n\n.ecl-ai-faq p {\n  color: var(--ecl-muted) !important;\n  font-size: 16px !important;\n  line-height: 1.7 !important;\n  margin: 18px 0 0 !important;\n}\n\n@media (max-width: 760px) {\n  .ecl-ai-article {\n    width: 100% !important;\n    max-width: 100% !important;\n    margin: 0 auto !important;\n    padding: 0 18px 44px !important;\n    overflow-x: hidden !important;\n  }\n\n  .ecl-ai-hero {\n    max-width: 100% !important;\n    padding: 0 0 24px !important;\n  }\n\n  .ecl-ai-lead {\n    font-size: 16px !important;\n    line-height: 1.6 !important;\n    margin: 0 0 16px !important;\n  }\n\n  .ecl-key-takeaways {\n    max-width: 100% !important;\n    padding: 25px 22px !important;\n    border-radius: 24px !important;\n    margin: 10px 0 34px !important;\n  }\n\n  .ecl-key-takeaways h2 {\n    font-size: 24px !important;\n    margin-bottom: 16px !important;\n  }\n\n  .ecl-key-takeaways li {\n    font-size: 16px !important;\n    line-height: 1.58 !important;\n    padding-left: 23px !important;\n  }\n\n  .ecl-ai-section {\n    margin: 36px 0 !important;\n  }\n\n  .ecl-ai-section h2 {\n    max-width: 100% !important;\n    font-size: 28px !important;\n    line-height: 1.15 !important;\n    letter-spacing: -0.03em !important;\n    margin: 0 0 18px !important;\n  }\n\n  .ecl-ai-section h3 {\n    max-width: 100% !important;\n    font-size: 23px !important;\n    line-height: 1.18 !important;\n    margin: 28px 0 14px !important;\n  }\n\n  .ecl-ai-section p,\n  .ecl-ai-section li {\n    max-width: 100% !important;\n    font-size: 16px !important;\n    line-height: 1.62 !important;\n  }\n\n  .ecl-ai-highlight {\n    max-width: 100% !important;\n    padding: 24px 22px !important;\n    border-radius: 24px !important;\n    margin: 24px 0 !important;\n  }\n\n  .ecl-ai-highlight p {\n    font-size: 18px !important;\n    line-height: 1.5 !important;\n  }\n\n  .ecl-ai-final-cta {\n    max-width: 100% !important;\n    padding: 26px 22px !important;\n    border-radius: 24px !important;\n    margin: 48px 0 !important;\n  }\n\n  .ecl-ai-final-cta p {\n    font-size: 16px !important;\n    line-height: 1.6 !important;\n  }\n\n  .ecl-ai-faq {\n    margin-top: 50px !important;\n  }\n\n  .ecl-ai-faq h2 {\n    font-size: 28px !important;\n  }\n\n  .ecl-ai-faq details {\n    max-width: 100% !important;\n    padding: 18px !important;\n    border-radius: 18px !important;\n  }\n\n  .ecl-ai-faq summary {\n    font-size: 16px !important;\n    padding-right: 28px !important;\n  }\n\n  .ecl-ai-faq p {\n    font-size: 15px !important;\n    line-height: 1.6 !important;\n  }\n}\n<\/style>\n\n\n\n<section class=\"ecl-ai-hero\" id=\"intro\">\n  <p class=\"ecl-ai-lead\">\n    Crypto loans have existed since the early DeFi days, letting someone borrow against digital assets instead of selling them. What changed in 2026 <strong>is who&#8217;s offering them<\/strong>. This is the mechanism behind that shift, and what actually happens when crypto sits behind a loan instead of cash sitting in a bank account.\n  <\/p>\n\n  <p class=\"ecl-ai-lead\">\n    So let\u2019s get into crypto loans and see how they work, who provides them and where they are used today!\n  <\/p>\n<\/section>\n\n<section class=\"ecl-key-takeaways\" id=\"key-takeaways\">\n  <h2>Key Takeaways<\/h2>\n\n  <ul>\n    <li>Wells Fargo began offering Bitcoin-backed loans to institutional and wealth clients in January 2026, and Coinbase powered the first Fannie Mae-backed conforming mortgages using crypto collateral three months later.<\/li>\n    <li>A crypto loan lets someone borrow cash or stablecoins against their holdings without selling them, keeping any future price gains while still accessing liquidity today.<\/li>\n    <li>Most crypto loans require collateral worth more than the loan itself, often 130% to 150% of the borrowed amount, to protect the lender against price swings.<\/li>\n    <li>If collateral value drops too far, the loan gets liquidated automatically, sometimes within minutes, with no negotiation and no grace period.<\/li>\n    <li>True no-collateral crypto loans are still rare for individual borrowers, what usually gets called that is either a flash loan, a different DeFi mechanism entirely, or a lower collateral threshold rather than none at all.<\/li>\n  <\/ul>\n<\/section>\n\n<section class=\"ecl-ai-section\" id=\"how-crypto-loans-actually-work\">\n  <h2>How Crypto Loans Actually Work<\/h2>\n\n  <p>\n    A crypto loan lets you <strong>borrow money by pledging digital assets <\/strong>like altcoins, memecoins and others as collateral, rather than selling them outright. You keep ownership of the asset. You get cash or stablecoins to use however you need. And if the asset&#8217;s price rises while your loan is outstanding, that gain <strong>still belongs to you.<\/strong>\n  <\/p>\n\n  <p>\n    A borrower deposits crypto, like Bitcoin or Ethereum, into a lending platform or a bank&#8217;s custody system. The lender values that collateral and offers a loan <strong>sized below its full worth<\/strong>, the gap between the two is what protects the lender if the market drops. Once approved, funds land in the borrower&#8217;s account, often within hours rather than the days a traditional loan application takes. Interest accrues over the loan term, and the collateral stays locked until the balance is repaid.\n  <\/p>\n\n  <h3>Why Would Someone Get a Crypto Loan Instead of Just Selling?<\/h3>\n\n  <p>\n    <strong>Taxes<\/strong> are one reason. In the US, selling crypto that&#8217;s gained value triggers a capital gains tax, owed on the profit between what you paid and what you sold it for. Borrowing against that same crypto doesn&#8217;t count as a sale, so no capital gains tax applies, the tax rules that make this appealing vary by country, so it&#8217;s worth checking local rules before treating it as a given.while borrowing against it doesn&#8217;t. Someone <strong>convinced their holdings will keep climbing<\/strong> might also prefer to keep that exposure rather than cash out and potentially miss further gains. A business holding crypto reserves might need <strong>operating cash<\/strong> without liquidating a long-term position.\n  <\/p>\n\n  <div class=\"ecl-ai-highlight\">\n    <p><strong>In each case, the loan is really a bet that borrowing costs less than the opportunity being protected.<\/strong><\/p>\n  <\/div>\n<\/section>\n\n<section class=\"ecl-ai-section\" id=\"collateralized-vs-no-collateral-crypto-loans\">\n  <h2>Collateralized vs. No-Collateral Crypto Loans<\/h2>\n\n  <p>\n    Collateralized loans are the version covered so far, deposit crypto, borrow against it, get the deposit back once the balance is repaid. That structure covers most of what people mean when they search for crypto loans, and it&#8217;s the model <strong>Wells Fargo <\/strong>and <strong>Coinbase<\/strong> both built their products around.\n  <\/p>\n\n  <p>\n    <strong>No-collateral loans<\/strong> work on a <strong>different premise entirely<\/strong>, and the phrase gets used two different ways online, which causes real confusion.\n  <\/p>\n\n  <p>\n    One version is a genuine <strong>unsecured loan<\/strong>, based on credit history or reputation rather than a deposit, still uncommon in crypto because there&#8217;s no standardized credit system across wallets the way there is for banks.\n  <\/p>\n\n  <p>\n    The other, more common version is <strong>a flash loan<\/strong>, a DeFi mechanism where a large sum gets borrowed and repaid within a single blockchain transaction, often used for arbitrage between exchanges. If the loan isn&#8217;t repaid before the transaction finishes, the entire transaction reverses as if it never happened. Flash loans solve a completely different problem than the one this article is about, and they&#8217;re not something an individual borrower uses to access cash for a few weeks.\n  <\/p>\n<\/section>\n\n<section class=\"ecl-ai-section\" id=\"what-happens-if-your-collateral-loses-value\">\n  <h2>What Happens If Your Collateral Loses Value<\/h2>\n\n  <p>\n    Collateral requirements exist because crypto prices move fast, and <strong>a lender needs a buffer<\/strong> before a loan turns into a loss. Most platforms set that buffer using a loan-to-value ratio, commonly requiring collateral worth 130% to 150% of the amount borrowed.\n  <\/p>\n\n  <div class=\"ecl-ai-highlight\">\n    <p><strong>Borrow $10,000, and a platform might require $13,000 to $15,000 in crypto locked against it.<\/strong><\/p>\n  <\/div>\n\n  <p>\n    That buffer shrinks as the collateral&#8217;s price drops. Once its value falls close to the loan amount, most platforms issue <strong>a margin call<\/strong>, a warning to add more collateral or repay part of the loan before things get worse. Ignore that warning, or watch the price keep falling, and<strong> liquidation follows<\/strong>. The platform sells enough of the collateral to cover the loan, automatically, without a phone call or a chance to negotiate. Depending on how volatile the market is that day, this can happen within minutes of the price crossing the threshold.\n  <\/p>\n\n  <p>\n    This is the actual risk sitting underneath every crypto loan, the simple fact that the collateral backing the loan <strong>can lose value faster than a person notices.<\/strong> A loan taken out during a calm market can look completely different a week later if prices move hard in the wrong direction. Anyone borrowing against crypto should know their platform&#8217;s liquidation threshold before signing up.\n  <\/p>\n<\/section>\n\n<section class=\"ecl-ai-section\" id=\"where-crypto-loans-are-actually-used-today\">\n  <h2>Where Crypto Loans Are Actually Used Today<\/h2>\n\n  <p>\n    <a href=\"https:\/\/www.figure.com\/crypto-backed-loan\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Figure<\/strong><\/a> and <a href=\"https:\/\/saltlending.com\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>SALT<\/strong><\/a> were among the first platforms built specifically around crypto-backed lending, letting individual holders borrow against Bitcoin or Ethereum without going through a bank. Both are centralized finance (CeFi) platforms, meaning a company holds the collateral and manages the loan directly, similar in structure to a traditional lender, just built for crypto. Both have operated through multiple market cycles at this point, including the sharp downturns that tested how well their liquidation systems actually worked under pressure.\n  <\/p>\n\n  <p>\n    <a href=\"https:\/\/phemex.com\/news\/article\/wells-fargo-introduces-bitcoinbacked-loans-for-institutional-clients-52660\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Wells Fargo&#8217;s institutional program<\/strong><\/a><strong> <\/strong>CeFi too, takes a more traditional shape. Clients can pledge Bitcoin or spot Bitcoin ETFs directly, then borrow against that position through the same kind of private banking relationship they&#8217;d use for any other secured line of credit. The bank manages <strong>nearly $2 trillion in assets<\/strong>, and its willingness to accept Bitcoin as collateral signals something notable, crypto is being treated as a legitimate asset class inside a regulated bank.\n  <\/p>\n\n  <p>\n    Institutional lending has kept expanding on the crypto-native side too. <a href=\"https:\/\/www.falconx.io\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>FalconX<\/strong><\/a> and <a href=\"https:\/\/ethena.fi\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Ethena<\/strong><\/a> opened a $1 billion secured lending facility in August 2026, letting institutional borrowers access overcollateralized loans backed by assets behind Ethena&#8217;s USDe stablecoin, with FalconX handling origination and servicing while qualified custodians hold the collateral. It&#8217;s another example of CeFi structure, a company managing the loan directly, just applied to stablecoin-backed reserves instead of Bitcoin. We covered this alongside a few other notable moves in our <a href=\"https:\/\/evercodelab.com\/blog\/evercode-lab-weekly-crypto-news-digest-21-08-2026\/\" target=\"_blank\" rel=\"noopener noreferrer\">most recent weekly crypto digest.<\/a>\n  <\/p>\n\n  <p>\n    <a href=\"https:\/\/www.coinbase.com\/en-de\/blog\/coinbase-powers-the-first-crypto-backed-conforming-mortgages-by-better\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Coinbase<\/strong> and <strong>Better&#8217;s mortgage<\/strong> product <\/a>(also runs through CeFi custody rather than a decentralized protocol) pushes the concept somewhere new entirely. Instead of a straightforward loan, a borrower gets two: <strong>a standard Fannie Mae mortgage<\/strong> on the actual home itself, and <strong>a separate loan secured by pledged Bitcoin<\/strong> that covers the cash down payment. Bitcoin sits in custody with Better until the down payment loan is repaid, and the whole structure still qualifies as a conforming mortgage backed by Fannie Mae, the same government-sponsored framework behind most conventional home loans in the U.S.\n  <\/p>\n\n  <p>\n    <a href=\"https:\/\/evercodelab.com\/blog\/defi-for-beginners-liquidity-pools-and-staking-explained\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Decentralized finance (DeFi)<\/strong><\/a> lending works differently, with no company holding custody at all. Protocols like <a href=\"https:\/\/aave.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Aave<\/a> and <a href=\"https:\/\/nexo.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Nexo<\/a> run lending through smart contracts instead, collateral gets locked directly on-chain, and the same code handles approval, interest, and liquidation without a human institution in the middle. It&#8217;s a meaningfully different trust model, one built around code rather than a company&#8217;s balance sheet, and it&#8217;s where flash loans and most no-collateral experimentation actually happen.\n  <\/p>\n<\/section>\n\n<section class=\"ecl-ai-section\" id=\"what-crypto-loans-mean-for-businesses\">\n  <h2>What Crypto Loans Mean for Businesses<\/h2>\n\n  <p>\n    A crypto loan is a feature businesses are starting to expect from the platforms they use, and one crypto company can build directly into what they already offer.\n  <\/p>\n\n  <p>\n    A wallet or exchange that lets users borrow against their holdings gives people <strong>a reason to keep assets on that platform<\/strong> instead of moving them elsewhere. It also opens <strong>a real revenue line through interest<\/strong>, something few crypto products have outside of trading fees. The infrastructure behind this no longer needs to be built entirely from scratch, collateral management, liquidation logic, and loan servicing are problems that have already been solved in production.\n  <\/p>\n<\/section>\n\n<section class=\"ecl-ai-final-cta\" id=\"evercode-lab\">\n  <p>\n    At <a href=\"https:\/\/evercodelab.com\/?utm_source=blog&amp;utm_medium=direct&amp;utm_campaign=crypto-loans-explained&amp;utm_content=cta\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Evercode Lab<\/strong><\/a>, we build <a href=\"https:\/\/evercodelab.com\/services\/white-label-crypto-loans?utm_source=blog&amp;utm_medium=direct&amp;utm_campaign=crypto-loans-explained&amp;utm_content=ctaloans\" target=\"_blank\" rel=\"noopener noreferrer\">white label crypto loan solutions<\/a> for platforms that want to offer this without building the entire lending engine in-house. If you&#8217;re weighing whether a lending feature fits your product, we&#8217;re glad to talk through what that would actually take to build.\n  <\/p>\n<\/section>\n\n<section class=\"ecl-ai-faq\" id=\"faq\">\n  <h2>FAQ<\/h2>\n\n  <details open>\n    <summary>Is crypto lending safe?<\/summary>\n    <p>It carries real risk, mainly tied to how fast collateral can lose value, but the mechanism itself is well-tested at this point. Platforms like Figure and SALT have operated through multiple market downturns, and a regulated bank like Wells Fargo entering the space in 2026 suggests the underlying model has matured enough for institutions to trust it.<\/p>\n  <\/details>\n\n  <details>\n    <summary>What&#8217;s the difference between a flash loan and a regular crypto loan?<\/summary>\n    <p>A flash loan gets borrowed and repaid within a single blockchain transaction, mainly used for arbitrage, and reverses entirely if it isn&#8217;t repaid before the transaction finishes. A regular crypto loan involves depositing collateral and repaying over weeks or months, the kind covered throughout this article.<\/p>\n  <\/details>\n\n  <details>\n    <summary>Can I get a crypto loan without a credit check?<\/summary>\n    <p>Usually, yes. Most crypto lending platforms base approval on the collateral deposited, not a borrower&#8217;s credit history, since the collateral itself is what protects the lender. That&#8217;s a meaningful difference from a traditional personal loan.<\/p>\n  <\/details>\n\n  <details>\n    <summary>What can you actually use a crypto-backed loan for?<\/summary>\n    <p>Most borrowers use them the same way they&#8217;d use any secured loan, covering short-term expenses, funding a business, or in Coinbase and Better&#8217;s case, financing a home down payment, all without selling the underlying crypto.<\/p>\n  <\/details>\n<\/section>\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Learn how crypto loans actually work, from collateral and liquidation risk to why Wells Fargo and Coinbase entered the market in 2026<\/p>\n","protected":false},"author":14,"featured_media":4940,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[71,1843,67],"tags":[85,79,1893,1960,1954],"class_list":["post-4939","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blockchain","category-crypto","category-useful","tag-blockchain-en","tag-crypto","tag-crypto-lending","tag-crypto-loans-2","tag-web3"],"aioseo_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Crypto Loans Explained: How Lending Against Digital Assets Works &#8211; Evercode Lab Blog<\/title>\n<meta name=\"description\" content=\"Learn how crypto loans actually work, from collateral and liquidation risk to why Wells Fargo and Coinbase entered the market in 2026.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/evercodelab.com\/blog\/crypto-loans-explained\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Crypto Loans Explained: How Lending Against Digital Assets Works &#8211; Evercode Lab Blog\" \/>\n<meta property=\"og:description\" content=\"Learn how crypto loans actually work, from collateral and liquidation risk to why Wells Fargo and Coinbase entered the market in 2026.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/evercodelab.com\/blog\/crypto-loans-explained\/\" \/>\n<meta property=\"og:site_name\" content=\"Evercode Lab Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/evercodelab\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-24T14:12:29+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-24T14:12:30+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/evercodelab.com\/blog\/wp-content\/uploads\/2026\/08\/art_cryptoloans.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"950\" \/>\n\t<meta property=\"og:image:height\" content=\"500\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Arina Evercode Lab\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@evercodelab\" \/>\n<meta name=\"twitter:site\" content=\"@evercodelab\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Arina Evercode Lab\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/evercodelab.com\/blog\/crypto-loans-explained\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/evercodelab.com\/blog\/crypto-loans-explained\/\"},\"author\":{\"name\":\"Arina Evercode Lab\",\"@id\":\"https:\/\/evercodelab.com\/blog\/#\/schema\/person\/02d1eeea89d60bb227600bdd38592f2b\"},\"headline\":\"Crypto Loans Explained: How Lending Against Digital Assets Works\",\"datePublished\":\"2026-08-24T14:12:29+00:00\",\"dateModified\":\"2026-08-24T14:12:30+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/evercodelab.com\/blog\/crypto-loans-explained\/\"},\"wordCount\":1667,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/evercodelab.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/evercodelab.com\/blog\/crypto-loans-explained\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/i0.wp.com\/evercodelab.com\/blog\/wp-content\/uploads\/2026\/08\/art_cryptoloans.jpg?fit=950%2C500&ssl=1\",\"keywords\":[\"blockchain\",\"crypto\",\"crypto lending\",\"crypto loans\",\"Web3\"],\"articleSection\":[\"Blockchain\",\"Crypto\",\"Useful\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/evercodelab.com\/blog\/crypto-loans-explained\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/evercodelab.com\/blog\/crypto-loans-explained\/\",\"url\":\"https:\/\/evercodelab.com\/blog\/crypto-loans-explained\/\",\"name\":\"Crypto Loans Explained: How Lending Against Digital Assets Works &#8211; Evercode Lab Blog\",\"isPartOf\":{\"@id\":\"https:\/\/evercodelab.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/evercodelab.com\/blog\/crypto-loans-explained\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/evercodelab.com\/blog\/crypto-loans-explained\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/i0.wp.com\/evercodelab.com\/blog\/wp-content\/uploads\/2026\/08\/art_cryptoloans.jpg?fit=950%2C500&ssl=1\",\"datePublished\":\"2026-08-24T14:12:29+00:00\",\"dateModified\":\"2026-08-24T14:12:30+00:00\",\"description\":\"Learn how crypto loans actually work, from collateral and liquidation risk to why Wells Fargo and Coinbase entered the market in 2026.\",\"breadcrumb\":{\"@id\":\"https:\/\/evercodelab.com\/blog\/crypto-loans-explained\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/evercodelab.com\/blog\/crypto-loans-explained\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/evercodelab.com\/blog\/crypto-loans-explained\/#primaryimage\",\"url\":\"https:\/\/i0.wp.com\/evercodelab.com\/blog\/wp-content\/uploads\/2026\/08\/art_cryptoloans.jpg?fit=950%2C500&ssl=1\",\"contentUrl\":\"https:\/\/i0.wp.com\/evercodelab.com\/blog\/wp-content\/uploads\/2026\/08\/art_cryptoloans.jpg?fit=950%2C500&ssl=1\",\"width\":950,\"height\":500},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/evercodelab.com\/blog\/crypto-loans-explained\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"\u0413\u043b\u0430\u0432\u043d\u0430\u044f \u0441\u0442\u0440\u0430\u043d\u0438\u0446\u0430\",\"item\":\"https:\/\/evercodelab.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Crypto Loans Explained: How Lending Against Digital Assets Works\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/evercodelab.com\/blog\/#website\",\"url\":\"https:\/\/evercodelab.com\/blog\/\",\"name\":\"Evercode Lab Blog\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/evercodelab.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/evercodelab.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/evercodelab.com\/blog\/#organization\",\"name\":\"Evercode Lab\",\"url\":\"https:\/\/evercodelab.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/evercodelab.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/evercodelab.com\/blog\/wp-content\/uploads\/2019\/09\/favicon.ico\",\"contentUrl\":\"https:\/\/evercodelab.com\/blog\/wp-content\/uploads\/2019\/09\/favicon.ico\",\"width\":48,\"height\":48,\"caption\":\"Evercode Lab\"},\"image\":{\"@id\":\"https:\/\/evercodelab.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/evercodelab\/\",\"https:\/\/x.com\/evercodelab\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/evercodelab.com\/blog\/#\/schema\/person\/02d1eeea89d60bb227600bdd38592f2b\",\"name\":\"Arina Evercode Lab\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/evercodelab.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/8fd8e0ff2f4c77e86d320e06954080a46aa492f4034ff6f8efb4b3997b4cced5?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/8fd8e0ff2f4c77e86d320e06954080a46aa492f4034ff6f8efb4b3997b4cced5?s=96&d=mm&r=g\",\"caption\":\"Arina Evercode Lab\"},\"description\":\"We provide ready-to-launch white label solutions for businesses in crypto and finance: exchanges, wallets, payments, custody, and more \u2014 fully branded and customizable.\",\"sameAs\":[\"https:\/\/evercodelab.com\/\",\"https:\/\/x.com\/evercodelab\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Crypto Loans Explained: How Lending Against Digital Assets Works &#8211; Evercode Lab Blog","description":"Learn how crypto loans actually work, from collateral and liquidation risk to why Wells Fargo and Coinbase entered the market in 2026.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/evercodelab.com\/blog\/crypto-loans-explained\/","og_locale":"en_US","og_type":"article","og_title":"Crypto Loans Explained: How Lending Against Digital Assets Works &#8211; Evercode Lab Blog","og_description":"Learn how crypto loans actually work, from collateral and liquidation risk to why Wells Fargo and Coinbase entered the market in 2026.","og_url":"https:\/\/evercodelab.com\/blog\/crypto-loans-explained\/","og_site_name":"Evercode Lab Blog","article_publisher":"https:\/\/www.facebook.com\/evercodelab\/","article_published_time":"2026-08-24T14:12:29+00:00","article_modified_time":"2026-08-24T14:12:30+00:00","og_image":[{"width":950,"height":500,"url":"https:\/\/evercodelab.com\/blog\/wp-content\/uploads\/2026\/08\/art_cryptoloans.jpg","type":"image\/jpeg"}],"author":"Arina Evercode Lab","twitter_card":"summary_large_image","twitter_creator":"@evercodelab","twitter_site":"@evercodelab","twitter_misc":{"Written by":"Arina Evercode Lab","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/evercodelab.com\/blog\/crypto-loans-explained\/#article","isPartOf":{"@id":"https:\/\/evercodelab.com\/blog\/crypto-loans-explained\/"},"author":{"name":"Arina Evercode Lab","@id":"https:\/\/evercodelab.com\/blog\/#\/schema\/person\/02d1eeea89d60bb227600bdd38592f2b"},"headline":"Crypto Loans Explained: How Lending Against Digital Assets Works","datePublished":"2026-08-24T14:12:29+00:00","dateModified":"2026-08-24T14:12:30+00:00","mainEntityOfPage":{"@id":"https:\/\/evercodelab.com\/blog\/crypto-loans-explained\/"},"wordCount":1667,"commentCount":0,"publisher":{"@id":"https:\/\/evercodelab.com\/blog\/#organization"},"image":{"@id":"https:\/\/evercodelab.com\/blog\/crypto-loans-explained\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/evercodelab.com\/blog\/wp-content\/uploads\/2026\/08\/art_cryptoloans.jpg?fit=950%2C500&ssl=1","keywords":["blockchain","crypto","crypto lending","crypto loans","Web3"],"articleSection":["Blockchain","Crypto","Useful"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/evercodelab.com\/blog\/crypto-loans-explained\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/evercodelab.com\/blog\/crypto-loans-explained\/","url":"https:\/\/evercodelab.com\/blog\/crypto-loans-explained\/","name":"Crypto Loans Explained: How Lending Against Digital Assets Works &#8211; Evercode Lab Blog","isPartOf":{"@id":"https:\/\/evercodelab.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/evercodelab.com\/blog\/crypto-loans-explained\/#primaryimage"},"image":{"@id":"https:\/\/evercodelab.com\/blog\/crypto-loans-explained\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/evercodelab.com\/blog\/wp-content\/uploads\/2026\/08\/art_cryptoloans.jpg?fit=950%2C500&ssl=1","datePublished":"2026-08-24T14:12:29+00:00","dateModified":"2026-08-24T14:12:30+00:00","description":"Learn how crypto loans actually work, from collateral and liquidation risk to why Wells Fargo and Coinbase entered the market in 2026.","breadcrumb":{"@id":"https:\/\/evercodelab.com\/blog\/crypto-loans-explained\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/evercodelab.com\/blog\/crypto-loans-explained\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/evercodelab.com\/blog\/crypto-loans-explained\/#primaryimage","url":"https:\/\/i0.wp.com\/evercodelab.com\/blog\/wp-content\/uploads\/2026\/08\/art_cryptoloans.jpg?fit=950%2C500&ssl=1","contentUrl":"https:\/\/i0.wp.com\/evercodelab.com\/blog\/wp-content\/uploads\/2026\/08\/art_cryptoloans.jpg?fit=950%2C500&ssl=1","width":950,"height":500},{"@type":"BreadcrumbList","@id":"https:\/\/evercodelab.com\/blog\/crypto-loans-explained\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"\u0413\u043b\u0430\u0432\u043d\u0430\u044f \u0441\u0442\u0440\u0430\u043d\u0438\u0446\u0430","item":"https:\/\/evercodelab.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Crypto Loans Explained: How Lending Against Digital Assets Works"}]},{"@type":"WebSite","@id":"https:\/\/evercodelab.com\/blog\/#website","url":"https:\/\/evercodelab.com\/blog\/","name":"Evercode Lab Blog","description":"","publisher":{"@id":"https:\/\/evercodelab.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/evercodelab.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/evercodelab.com\/blog\/#organization","name":"Evercode Lab","url":"https:\/\/evercodelab.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/evercodelab.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/evercodelab.com\/blog\/wp-content\/uploads\/2019\/09\/favicon.ico","contentUrl":"https:\/\/evercodelab.com\/blog\/wp-content\/uploads\/2019\/09\/favicon.ico","width":48,"height":48,"caption":"Evercode Lab"},"image":{"@id":"https:\/\/evercodelab.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/evercodelab\/","https:\/\/x.com\/evercodelab"]},{"@type":"Person","@id":"https:\/\/evercodelab.com\/blog\/#\/schema\/person\/02d1eeea89d60bb227600bdd38592f2b","name":"Arina Evercode Lab","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/evercodelab.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/8fd8e0ff2f4c77e86d320e06954080a46aa492f4034ff6f8efb4b3997b4cced5?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/8fd8e0ff2f4c77e86d320e06954080a46aa492f4034ff6f8efb4b3997b4cced5?s=96&d=mm&r=g","caption":"Arina Evercode Lab"},"description":"We provide ready-to-launch white label solutions for businesses in crypto and finance: exchanges, wallets, payments, custody, and more \u2014 fully branded and customizable.","sameAs":["https:\/\/evercodelab.com\/","https:\/\/x.com\/evercodelab"]}]}},"_links":{"self":[{"href":"https:\/\/evercodelab.com\/blog\/wp-json\/wp\/v2\/posts\/4939","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/evercodelab.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/evercodelab.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/evercodelab.com\/blog\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/evercodelab.com\/blog\/wp-json\/wp\/v2\/comments?post=4939"}],"version-history":[{"count":3,"href":"https:\/\/evercodelab.com\/blog\/wp-json\/wp\/v2\/posts\/4939\/revisions"}],"predecessor-version":[{"id":4943,"href":"https:\/\/evercodelab.com\/blog\/wp-json\/wp\/v2\/posts\/4939\/revisions\/4943"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/evercodelab.com\/blog\/wp-json\/wp\/v2\/media\/4940"}],"wp:attachment":[{"href":"https:\/\/evercodelab.com\/blog\/wp-json\/wp\/v2\/media?parent=4939"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/evercodelab.com\/blog\/wp-json\/wp\/v2\/categories?post=4939"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/evercodelab.com\/blog\/wp-json\/wp\/v2\/tags?post=4939"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}