A better way to earn and borrow

Own your financial future.

Earn interest or borrow with your digital assets.

Secure and trusted custody partner
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Put your money to work for you, as it was meant to.

Save your crypto assets, earn interest and borrow.

CredEarn
Earn up to 10% annualized interest rate on your crypto or stablecoin.* Don’t park your investment without earning!
CredBorrow
Get the best of both worlds. Hold your crypto while gaining access to liquidity through our credit line.

Keep your crypto.

Make it work for you.

Add crypto to your secure CredEarn or CredBorrow Vault to earn or borrow.

Earn up to 10% annualized interest with CredEarn! Or get a C-LOC™ credit line as low as 9% APR.**

Hold your crypto investment while leveraging its power.

Cred by the numbers

$300M
lending capital
180
countries accept LBA token
100,000+
Cred community members

Who’s talking about Cred

JP Thieriot

Co-founder of Uphold

The concept of borrowing and lending against crypto assets is an innovative model that is garnering strong interest from our users. Cred has built a user experience that is easy, affordable and will provide significant value for our members. Cred has secured more lending capital than any other lending company in the space by orders of magnitude. Our ability to offer Cred’s LBA token is another important milestone for our members since Cred is one of the fastest growing lending ecosystems in the crypto community.
*Compensation was not paid in exchange for any testimonial on this website.

Investors in Cred

CredEarn current annualized returns up to

10%

BTC

5%

XRP

5%

Stablecoin

3%

USD & Euro

CredBorrow line of credit

Up to

50%

LTV*

As low as

9%

APR

3 yr

Term

Collateral

BTC
ETH
XRP

LTV = Loan to value. This is the ratio of a loan you can take out compared to the value of the collateral securing the loan.

For example, if LTV is 50%, a customer could receive a $5,000 line of credit if they pledge $10,000 of BTC as collateral.

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Buy Cred (LBA) Tokens and receive the benefits at
Buy Cred (LBA) Tokens
and receive the benefits at
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© CRED, Inc. 2018. All Rights Reserved.

CredEarn is the trade name for a service offered by Cred LLC, which is a distinct and separate entity from Cred (US) LLC. CredEarn allows you to extend a loan to Cred LLC. The purpose of the loan is to allow you to earn an enhanced yield on your crypto assets, such as Bitcoin. Cred LLC is not a bank and CredEarn services are not insured by the FDIC.

CredBorrow and C-LOC™ are trade names for lending products of Cred (US) LLC, a wholly owned subsidiary of Cred LLC. Loan amount, terms, and rates are not available in every jurisdiction, or for every collateral type. Available rates, loan amounts, and other terms are subject to change. Loan applicants are subject to AML, KYC screening. Terms, Conditions, and Restrictions apply.

* CredEarn currently accepts Bitcoin, XRP and stable coin (USDT)

** To qualify for 9% APR C-LOC™ borrowers must purchase LBA Tokens with loan proceeds. Please contact us for details.