Keep your upside
Get cash for life’s big moments without selling the Bitcoin you believe in.
Cash when you need it. Keep your Bitcoin.
Borrow against the crypto you already own, earn on what you’re holding and move it between chains. Spend with a uLend card when the programme goes live. Your own wallet signs every step.
Bitcoin-native lending is in development. Current lending markets remain paused while new security controls go in.
Loan sent to your walletYour collateral stays yours
35%Loan-to-value
- Collateral
- 0.25 BTC
- You receive
- $8,000.00
- Rate
- From market
See the risk first
Your loan-to-value and liquidation point are on screen before you sign anything.
You stay in control
Nothing moves without a signature from your own wallet.
01 · BorrowPaused
Borrow against your crypto.
Put up eligible crypto as collateral and borrow stablecoins at the rate the market sets. Repay whenever you like and your collateral comes back.
Position healthIllustrative
38%Loan-to-value · healthy02 · EarnPaused
Earn on what you’re holding.
Supply crypto you aren’t using to lending markets and earn what borrowers pay. The rate comes from live data. If there’s no feed, there’s no number.
Supply marketsFeed status
AssetAPYUtilisation
Connecting to market feedChecking feed
03 · MovePaused
Move between chains, safely.
Bridge supported assets from one chain to another. You see the whole route before anything leaves your wallet.
04 · SpendWaiting on issuer
Spend with a uLend card.
A virtual card for everyday spending, issued through a regulated card programme once it goes live. Join the waitlist to be first.
See Spend
•••• 4021
Three steps. All signed by you.
Connect your wallet
Use the wallet you already have. uLend never asks for your keys.
Add collateral
Supply an eligible asset and see your loan-to-value and liquidation point.
Borrow and repay
Borrow what you need. Repay any time to unlock your collateral.
Risk
Crypto prices can fall fast. If your collateral drops in value, your loan can reach its liquidation point and your collateral may be sold. Only borrow what you could repay. Read the risk disclosure.
Questions
Do I have to sell my Bitcoin?
No. Eligible Bitcoin-backed positions let you borrow without selling the collateral, subject to market and jurisdiction availability.
What happens if the price falls?
Your loan-to-value rises. Add collateral or repay before the position reaches its liquidation point.
How much can I borrow?
Your limit depends on the eligible asset, the connected market and the loan-to-value shown before you sign.
Is uLend available where I live?
Availability varies by product, route and jurisdiction. Check the availability page before you start.