New Crypto Loan product allows eligible collateral to continue earning Hold to Earn yields while users access liquidity in one integrated position
KuCoin, a leading global crypto platform built on trust, announced the launch of KuCoin Crypto Loan, its first integrated Earn-and-Loan product designed to enhance crypto asset efficiency by allowing eligible pledged assets to continue generating Hold to Earn yield during the loan period. Now available on the KuCoin App to eligible users in supported jurisdictions, with web access coming soon, KuCoin Crypto Loan enables users to pledge supported assets including BTC, ETH, USDT, USDC and SOL as collateral, borrow supported assets from the same list, and manage collateral, borrowings and risk in one integrated position.
The launch addresses a key challenge for HODLers: accessing liquidity without selling assets or interrupting passive income potential. With KuCoin Crypto Loan, users can access liquidity while keeping eligible collateral productive. By merging Earn and Loan functionalities into one seamless experience, the product helps improve capital utilization and introduces a more efficient model for CEX lending.
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A key feature of KuCoin Crypto Loan is its one-position structure. Instead of managing multiple isolated loans, users can manage multi-asset collateral and borrowed funds in a single collateralized loan position, making collateral monitoring, loan exposure and LTV tracking more straightforward.
KuCoin Crypto Loan also applies dynamic, market-driven interest rates that are updated hourly, with interest calculated and accrued on an hourly basis. The product uses a three-tier collateral ratio framework covering Initial, Warning and Liquidation levels to support clearer risk monitoring.
Guided by KuCoin’s Trust-First approach to product innovation, KuCoin Crypto Loan reflects a broader principle: every new solution should strengthen user confidence and make the digital asset ecosystem more useful. By bringing Earn and Loan together in one integrated position, the product helps users access liquidity while maintaining exposure to eligible assets, supporting a more seamless and capital-efficient experience.
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