KuCoin has officially launched its Crypto Loan product, an integrated earn-and-borrow solution designed to let eligible users access liquidity without selling their assets or forgoing yield. Announced on May 20, 2026, the feature is now available via the KuCoin App in supported jurisdictions, with web access planned for a later stage.
The product supports BTC, ETH, USDT, USDC, and SOL as both collateral and borrowable assets. What sets it apart is that pledged collateral can continue generating Hold to Earn rewards during the loan period, addressing a common capital-efficiency challenge for long-term holders.
KuCoin Crypto Loan uses a single-position structure, enabling users to manage multiple collateral assets and borrowed funds from one integrated dashboard. This consolidation aims to simplify tracking of loan exposure, loan-to-value ratios, and risk levels. Interest rates are dynamic and market-driven, updated hourly, with interest accrued on the same hourly basis. A three-tier collateral ratio system—covering Initial, Warning, and Liquidation thresholds—provides clear checkpoints as asset prices fluctuate, making risk monitoring an integral part of the experience.
The launch reflects KuCoin’s broader push to bundle wealth management tools within a single experience, following its Trust-First approach. By enabling users to borrow against productive assets, the exchange seeks to improve capital efficiency while maintaining transparency and risk awareness—though standard lending risks such as variable rates, collateral fluctuations, and liquidation still apply.
