Crypto Lending
Borrow Against Your Digital Assets Without Selling
Access the cash you need without giving up your crypto. Retired.com’s Crypto Lending service lets you borrow against your non-IRA cryptocurrency holdings, so you can unlock liquidity while keeping your long-term positions intact.
Unlock liquidity with your Crypto
Sometimes you need cash, but selling your crypto means giving up your position. With Retired.com’s Crypto Lending, you can borrow against your non-IRA crypto holdings to access the funds you need while keeping your digital assets working for you.
Borrow Without Selling
Flexible Loan Options
Secure and Trusted
Your collateral is held securely through Retired.com’s institutional-grade lending infrastructure.¹ Full transparency on terms before you commit.
★★★★★
Top benefits of Crypto lending with Retired.com
Institutional-Grade Security
Your assets are held with leading digital asset custodians using cold storage and multi-layer encryption.
Avoid Taxable Events
Borrowing against crypto is not a sale. You can access liquidity without triggering capital gains taxes on your holdings.
Keep Your Crypto
Access cash without selling. Your crypto stays in your portfolio, positioned for future growth while you use the loan proceeds.
Expert Support
Real specialists available to walk you through the lending process and answer your questions. We're proud of our support.
Transparent Terms
Full disclosure on loan-to-value ratios, repayment schedules, interest rates, and all fees before you commit. No surprises.
Borrow against your Crypto in minutes
1. Open and Fund an Account
Sign up with Retired.com in minutes. Fully online with secure identity verification.
2. Submit a Loan Request
Enter your loan amount and select your preferred terms. See dynamic options including loan-to-value ratios and repayment plans.
3. Receive Your Funds
Once approved, your crypto collateral is secured and funds are deposited directly to your bank account.
Strategies
Your crypto retirement blueprint, for free
Want to learn how crypto-backed loans work, what loan-to-value ratios mean, and how borrowing against crypto compares to selling? Explore our resource center for in-depth guides, calculators, and strategies.
Learn before you invest with Retired.com’s Crypto articles
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Frequently Asked Crypto Lending Questions
What is crypto lending through Retired.com?
Crypto lending through Retired.com lets you borrow against your non-IRA cryptocurrency holdings. Instead of selling your crypto and potentially triggering a taxable event, you use it as collateral to secure a loan. You keep ownership of your crypto while accessing the cash you need.
How does a crypto-backed loan work?
You submit a loan request through Retired.com’s platform, specifying the amount you want to borrow. Based on the value of your crypto collateral, you’ll see available loan-to-value (LTV) options and repayment terms. Once you select your terms and the loan is approved, your crypto is secured as collateral and the loan proceeds are delivered to you.
What is a loan-to-value (LTV) ratio?
The loan-to-value ratio determines how much you can borrow relative to the value of your crypto collateral. For example, a 50% LTV means you can borrow up to half the value of the crypto you pledge. Lower LTV ratios generally mean lower risk and may offer more favorable terms.
Which cryptocurrencies can I use as collateral?
Retired.com supports a range of popular cryptocurrencies as collateral for lending. Eligible assets typically include Bitcoin, Ethereum, and other major digital assets. Contact our lending specialists for the current list of supported collateral types.
Is this available for crypto held in my IRA?
Crypto Lending through Retired.com is specifically designed for non-IRA held crypto. If you hold crypto outside of your retirement account, you can use those holdings as collateral. For crypto held inside an IRA, explore our other Retired.com features such as Crypto Trading, Crypto Staking, and Crypto Bundles.
What happens if the value of my collateral drops?
If the market value of your collateral drops significantly, you may receive a margin call asking you to add more collateral or repay part of your loan to maintain the required loan-to-value ratio. All margin call thresholds and procedures are disclosed clearly before you commit to a loan.
What are the repayment options?
Retired.com offers flexible repayment options to fit your financial needs. Specific repayment types and schedules are presented during the loan application process based on your loan amount and selected terms. Our specialists can walk you through all available options.
What fees are associated with crypto lending?
All fees, including interest rates, origination fees, and any other charges, are fully disclosed before you commit to a loan. Retired.com believes in complete transparency. You’ll see a full breakdown of costs during the application process so there are no surprises.
How is my collateral kept safe?
Your crypto collateral is held securely through Retired.com’s institutional-grade lending infrastructure. The same security standards that protect our IRA custody services apply to your lending collateral, including cold storage and multi-layer security protocols.
Retired.com has a referral relationship with LendingUSA, LLC (LUSA), an affiliated entity, to offer crypto lending in non-IRA accounts to its clients. All loans through LUSA are made by its lending partners. Minimum and maximum financed amounts vary by term and loan purpose. Loans are not available in all states. An origination fee of up to 1% may be included in the principal loan amount, which may result in an APR of up to 29.99%.
¹Security, storage and wallet provider may vary based on asset chosen and custody solution available.
*Based on assets under custody across all retired.com consumer brands as of 05/18/2026.
**Review and rating count is aggregated across public review platforms and app stores for all Retired.com consumer brands. Average platform rating is calculated as the average of displayed ratings and not weighted by review or rating count.
Reviews and media mentions listed on this page include those across all Retired.com consumer brands.
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