Companies and protocols that lend against crypto collateral or pay interest on deposited crypto. Every listing says what a company is good for and what to watch out for. Sponsors can buy placement here. They can never buy a rating, and the methodology page says so in writing.
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Crypto lending today
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Four of the largest crypto lenders failed in 2022 and early 2023: Voyager Digital and Celsius Network filed for bankruptcy in July 2022, BlockFi later in 2022 and Genesis in January 2023, and their customers' claims went through the bankruptcy courts. Genesis had halted withdrawals of about $900 million belonging to 340,000 investors in the Gemini Earn programme. In 2023 the US Federal Trade Commission permanently banned Celsius and Voyager from handling consumers' assets.
Sources: FTC on Celsius, July 2023 · FTC on Voyager, October 2023 · SEC on Genesis, March 2024 · US Bankruptcy Court, In re BlockFi · checked 8 October 2026
Lending protocol on Ethereum and other chains: people deposit crypto into shared pools to earn interest, and others borrow against collateral held by the protocol's smart contracts, which sell it automatically if its value falls too far.
Founded 2017
US lender of dollars or USDC against bitcoin, ether, solana and XRP, with the collateral held by the custodian Anchorage Digital.
Lends stablecoins against crypto deposited with it, and pays interest on deposits.
Founded 2020
Lending protocol on Ethereum and other chains where crypto is deposited to earn interest and borrowed against collateral held by its smart contracts.
US lender, best known for home equity lines of credit, that also lends dollars against bitcoin, ether and solana.
Lending and yield protocol on Solana; collateral is held by its smart contracts.
Lends dollars against bitcoin, with the bitcoin held by a custodian until the loan is repaid; also pays interest on USDC and USDT deposits.
Founded 2018
Lending protocol in which each market pairs one collateral asset with one loan asset, with collateral held by its smart contracts. Coinbase's crypto-backed loans run on it.
Lends cash and stablecoins against crypto held with it, and pays interest on deposited crypto. In 2023 Nexo paid $45 million to the SEC and US states to settle charges that its interest product was an unregistered security, and in 2026 California fined Nexo Capital $500,000 for crypto-backed loans made without a state lending licence; it neither admitted nor denied either.
Lending and savings protocol in the Sky ecosystem, mainly for borrowing the USDS stablecoin against crypto held by its smart contracts.
Bitcoin financial services firm whose bitcoin-backed loans are commercial loans for individuals, trusts and businesses, with the collateral in a multisignature vault in which the borrower holds a key. In 2026 California fined it $200,000 for bitcoin-backed loans made without considering borrowers' ability to repay.
Crypto platform that lends cash and stablecoins against crypto held with it, and also offers leveraged trading, an exchange and interest on deposits.
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