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Crypto loans now live under Staking & Loans →
🏦 Crypto loans: borrow USDT/USDC against BTC or ETH
Cheapest first · Max LTV = borrow per $1 collateral
| Platform | Borrow | Collateral | Borrow APR/APY | Max LTV | Liquidation LTV | Rate type |
|---|---|---|---|---|---|---|
| Bitget Crypto LoanCeFi | USDC | BTC | 3.45% | 65% | 91% | fixed 7D |
| Bitget public API v2 /earn/loan/public/coinInfos · 2026-10-31 14:10 KST | ||||||
| Bitget Crypto LoanCeFi | USDC | ETH | 3.45% | 65% | 93% | fixed 7D |
| Bitget public API v2 /earn/loan/public/coinInfos · 2026-10-31 14:10 KST | ||||||
| Bitget Crypto LoanCeFi | USDC | BTC | 3.61% | 65% | 91% | fixed 30D |
| Bitget public API v2 /earn/loan/public/coinInfos · 2026-10-31 14:10 KST | ||||||
| Bitget Crypto LoanCeFi | USDC | ETH | 3.61% | 65% | 93% | fixed 30D |
| Bitget public API v2 /earn/loan/public/coinInfos · 2026-10-31 14:10 KST | ||||||
| MorphoDeFi | USDT | ETH (wstETH) | 3.74% | 86% | 86% | variable |
| Morpho official API · 2026-10-31 14:10 KST · Morpho has one LLTV: borrowing up to it means liquidation. | ||||||
| MorphoDeFi | USDT | BTC (WBTC) | 3.74% | 86% | 86% | variable |
| Morpho official API · 2026-10-31 14:10 KST · Morpho has one LLTV: borrowing up to it means liquidation. | ||||||
| Bitget Crypto LoanCeFi | USDT | BTC | 3.77% | 65% | 91% | fixed 7D |
| Bitget public API v2 /earn/loan/public/coinInfos · 2026-10-31 14:10 KST | ||||||
| Bitget Crypto LoanCeFi | USDT | ETH | 3.77% | 65% | 93% | fixed 7D |
| Bitget public API v2 /earn/loan/public/coinInfos · 2026-10-31 14:10 KST | ||||||
| Bitget Crypto LoanCeFi | USDT | BTC | 3.95% | 65% | 91% | fixed 30D |
| Bitget public API v2 /earn/loan/public/coinInfos · 2026-10-31 14:10 KST | ||||||
| Bitget Crypto LoanCeFi | USDT | ETH | 3.95% | 65% | 93% | fixed 30D |
| Bitget public API v2 /earn/loan/public/coinInfos · 2026-10-31 14:10 KST | ||||||
| Spark (Ethereum)DeFi | USDT | BTC (WBTC) | 4.21% | 77% | 78% | variable |
| on-chain Spark Pool (PublicNode RPC) · 2026-10-31 14:10 KST | ||||||
| Spark (Ethereum)DeFi | USDT | BTC (cbBTC) | 4.21% | 81% | 82% | variable |
| on-chain Spark Pool (PublicNode RPC) · 2026-10-31 14:10 KST | ||||||
| Spark (Ethereum)DeFi | USDT | ETH (WETH) | 4.21% | 85% | 86% | variable |
| on-chain Spark Pool (PublicNode RPC) · 2026-10-31 14:10 KST | ||||||
| Bybit Crypto LoanCeFi | USDC | BTC | 4.32% | 80% | 95% | flexible |
| Bybit public API v5 /crypto-loan · 2026-10-31 14:10 KST · VIP0; hourly rate × 8760. | ||||||
| Bybit Crypto LoanCeFi | USDC | ETH | 4.32% | 80% | 95% | flexible |
| Bybit public API v5 /crypto-loan · 2026-10-31 14:10 KST · VIP0; hourly rate × 8760. | ||||||
| Bybit Crypto LoanCeFi | USDT | BTC | 4.33% | 80% | 95% | flexible |
| Bybit public API v5 /crypto-loan · 2026-10-31 14:10 KST · VIP0; hourly rate × 8760. | ||||||
| Bybit Crypto LoanCeFi | USDT | ETH | 4.33% | 80% | 95% | flexible |
| Bybit public API v5 /crypto-loan · 2026-10-31 14:10 KST · VIP0; hourly rate × 8760. | ||||||
| OKX margin borrowCeFi | USDC | BTC | 4.50% | – | – | flexible (margin) |
| OKX public API v5 /public/interest-rate-loan-quota · 2026-10-31 14:10 KST · Basic margin borrow rate (daily × 365), VIP0; LTV depends on account mode – not published here. | ||||||
| OKX margin borrowCeFi | USDC | ETH | 4.50% | – | – | flexible (margin) |
| OKX public API v5 /public/interest-rate-loan-quota · 2026-10-31 14:10 KST · Basic margin borrow rate (daily × 365), VIP0; LTV depends on account mode – not published here. | ||||||
| Spark (Ethereum)DeFi | USDC | BTC (WBTC) | 4.66% | 77% | 78% | variable |
| on-chain Spark Pool (PublicNode RPC) · 2026-10-31 14:10 KST | ||||||
| Spark (Ethereum)DeFi | USDC | BTC (cbBTC) | 4.66% | 81% | 82% | variable |
| on-chain Spark Pool (PublicNode RPC) · 2026-10-31 14:10 KST | ||||||
| Spark (Ethereum)DeFi | USDC | ETH (WETH) | 4.66% | 85% | 86% | variable |
| on-chain Spark Pool (PublicNode RPC) · 2026-10-31 14:10 KST | ||||||
| Kamino Lend (Solana)DeFi | USDC | BTC (cbBTC) | 5.54% | 79% | – | variable |
| Kamino official API · 2026-10-31 14:10 KST | ||||||
| Kamino Lend (Solana)DeFi | USDC | BTC (WBTC) | 5.54% | 70% | – | variable |
| Kamino official API · 2026-10-31 14:10 KST | ||||||
| Kamino Lend (Solana)DeFi | USDC | ETH | 5.54% | 75% | – | variable |
| Kamino official API · 2026-10-31 14:10 KST | ||||||
| Kamino Lend (Solana)DeFi | USDC | SOL | 5.54% | 74% | – | variable |
| Kamino official API · 2026-10-31 14:10 KST | ||||||
| Compound v3 (Ethereum)DeFi | USDC | BTC (WBTC) | 5.59% | 80% | 85% | variable |
| on-chain Comet (PublicNode RPC) · 2026-10-31 14:10 KST | ||||||
| Compound v3 (Ethereum)DeFi | USDC | ETH (WETH) | 5.59% | 82% | 88% | variable |
| on-chain Comet (PublicNode RPC) · 2026-10-31 14:10 KST | ||||||
| Compound v3 (Ethereum)DeFi | USDC | BTC (cbBTC) | 5.59% | 80% | 85% | variable |
| on-chain Comet (PublicNode RPC) · 2026-10-31 14:10 KST | ||||||
| Kamino Lend (Solana)DeFi | USDT | BTC (cbBTC) | 5.89% | 79% | – | variable |
| Kamino official API · 2026-10-31 14:10 KST | ||||||
| Kamino Lend (Solana)DeFi | USDT | BTC (WBTC) | 5.89% | 70% | – | variable |
| Kamino official API · 2026-10-31 14:10 KST | ||||||
| Kamino Lend (Solana)DeFi | USDT | ETH | 5.89% | 75% | – | variable |
| Kamino official API · 2026-10-31 14:10 KST | ||||||
| Kamino Lend (Solana)DeFi | USDT | SOL | 5.89% | 74% | – | variable |
| Kamino official API · 2026-10-31 14:10 KST | ||||||
| OKX margin borrowCeFi | USDT | BTC | 6.40% | – | – | flexible (margin) |
| OKX public API v5 /public/interest-rate-loan-quota · 2026-10-31 14:10 KST · Basic margin borrow rate (daily × 365), VIP0; LTV depends on account mode – not published here. | ||||||
| OKX margin borrowCeFi | USDT | ETH | 6.40% | – | – | flexible (margin) |
| OKX public API v5 /public/interest-rate-loan-quota · 2026-10-31 14:10 KST · Basic margin borrow rate (daily × 365), VIP0; LTV depends on account mode – not published here. | ||||||
| Aave v3 (Ethereum)DeFi | USDC | BTC (WBTC) | 6.49% | 81% | 85% | variable |
| Aave official API · 2026-10-31 14:10 KST | ||||||
| Aave v3 (Ethereum)DeFi | USDC | BTC (cbBTC) | 6.49% | 81% | 85% | variable |
| Aave official API · 2026-10-31 14:10 KST | ||||||
| Aave v3 (Ethereum)DeFi | USDC | ETH (WETH) | 6.49% | 81% | 84% | variable |
| Aave official API · 2026-10-31 14:10 KST | ||||||
| MorphoDeFi | USDC | BTC (cbBTC) | 6.61% | 86% | 86% | variable |
| Morpho official API · 2026-10-31 14:10 KST · Morpho has one LLTV: borrowing up to it means liquidation. | ||||||
| MorphoDeFi | USDC | ETH (weETH) | 6.63% | 86% | 86% | variable |
| Morpho official API · 2026-10-31 14:10 KST · Morpho has one LLTV: borrowing up to it means liquidation. | ||||||
| MorphoDeFi | USDC | ETH (wstETH) | 6.66% | 86% | 86% | variable |
| Morpho official API · 2026-10-31 14:10 KST · Morpho has one LLTV: borrowing up to it means liquidation. | ||||||
| MorphoDeFi | USDC | BTC (WBTC) | 6.77% | 86% | 86% | variable |
| Morpho official API · 2026-10-31 14:10 KST · Morpho has one LLTV: borrowing up to it means liquidation. | ||||||
| Aave v3 (Ethereum)DeFi | USDT | BTC (WBTC) | 7.49% | 81% | 85% | variable |
| Aave official API · 2026-10-31 14:10 KST | ||||||
| Aave v3 (Ethereum)DeFi | USDT | BTC (cbBTC) | 7.49% | 81% | 85% | variable |
| Aave official API · 2026-10-31 14:10 KST | ||||||
| Aave v3 (Ethereum)DeFi | USDT | ETH (WETH) | 7.49% | 81% | 84% | variable |
| Aave official API · 2026-10-31 14:10 KST | ||||||
| Compound v3 (Ethereum)DeFi | USDT | BTC (WBTC) | 8.36% | 80% | 85% | variable |
| on-chain Comet (PublicNode RPC) · 2026-10-31 14:10 KST | ||||||
| Compound v3 (Ethereum)DeFi | USDT | ETH (WETH) | 8.36% | 83% | 88% | variable |
| on-chain Comet (PublicNode RPC) · 2026-10-31 14:10 KST | ||||||
| Compound v3 (Ethereum)DeFi | USDT | BTC (cbBTC) | 8.36% | 80% | 85% | variable |
| on-chain Comet (PublicNode RPC) · 2026-10-31 14:10 KST | ||||||
ℹ️ How to read this
Variable DeFi rates move with utilization; CeFi rates shown for the lowest public VIP tier. Liquity-type protocols with user-set rates are not covered.
CeFi rates come from the public (no-login) data behind each exchange’s earn page or its documented public API; DeFi from official protocol APIs or on-chain reads (PublicNode RPC). A source that fails is shown as unavailable — rates are never estimated.
Data only, not financial advice. CeFi balances are exchange credit risk; DeFi carries smart-contract and depeg risk. Check the platform page before depositing.
Source status
- ✅ Binance Simple Earn – working 2026-10-31 14:10 KST
- ✅ Bybit Earn – working 2026-10-31 14:10 KST
- ✅ OKX Simple Earn – working 2026-10-31 14:10 KST
- ✅ Bitget Savings – working 2026-10-31 14:10 KST
- ✅ Gate Simple Earn – working 2026-10-31 14:10 KST
- ✅ MEXC Savings – working 2026-10-31 14:10 KST
- ✅ Aave v3 – working 2026-10-31 14:10 KST
- ✅ Compound v3 – working 2026-10-31 14:10 KST
- ✅ Spark – working 2026-10-31 14:10 KST
- ✅ Sky sUSDS – working 2026-10-31 14:10 KST
- ✅ Ethena sUSDe – working 2026-10-31 14:10 KST
- ✅ Morpho – working 2026-10-31 14:10 KST
- ✅ Kamino – working 2026-10-31 14:10 KST
- ✅ Bybit Crypto Loan – working 2026-10-31 14:10 KST
- ✅ Bitget Crypto Loan – working 2026-10-31 14:10 KST
- ✅ OKX margin borrow – working 2026-10-31 14:10 KST
Platforms not supported (no public API) – not an outage
- · KuCoin Earn – Not supported (no public API): Earn product list needs a signed API key; web page data endpoint not public (400/404) – not used.
- · HTX Earn – Not supported (no public API): No public unauthenticated earn product endpoint found (404) – not used.
- · Binance Flexible Loan – Not supported (no public API): Loan rate API (/sapi/v2/loan/flexible/loanable/data) requires an API key – not used.
- · OKX Flexible Loan – Not supported (no public API): Flexible-loan endpoints return 401 without a key – OKX margin basic rate shown instead.
- · Nexo – Not supported (no public API): No public JSON rate endpoint – not used.
- · Liquity v2 (BOLD) – Not supported (no public API): User-set interest rates per trove; no single market rate – not covered yet.
Updated 2026-10-31 14:10 KST
For information only, not investment advice. Data may be delayed or inaccurate. Full disclaimer → Data: OpenDART (FSS), stock prices: official previous-day close from the Financial Services Commission (data.go.kr) and FinanceData/marcap history, index data via FinanceDataReader, FX: ECB reference rates, crypto data from Upbit, Bithumb and Binance public APIs.
Market data not licensed for redistribution.
© Crypvu · Crypto market view
Market data not licensed for redistribution.
© Crypvu · Crypto market view