CeFi Lending Platforms
CeFi (centralized finance) lending platforms offer a more traditional experience — account registration, KYC verification, and customer support. They manage custody of your assets and typically offer fixed-rate products. After the Celsius and BlockFi collapses, transparency and proof of reserves have become critical differentiators.
Better (Token-Backed Mortgage)
First conforming (Fannie Mae-eligible) crypto-backed mortgage. Pledge BTC or USDC as down payment collateral without selling. Originated by Better, custody by Coinbase.
Borrow
0.5%–1.5% above conforming rates
Max LTV
Conforming guidelines
CoinRabbit
No-KYC crypto lending platform offering instant loans without credit checks or identity verification. Simple interface with 70+ supported cryptocurrencies.
Lend
N/A
Borrow
10-17% APR
Max LTV
80%
Ledn
Bitcoin-focused CeFi lender offering BTC-backed loans and savings accounts. Known for transparency with proof-of-reserves attestations by Armanino.
Lend
1-4% APY
Borrow
9.9-12.4% APR
Max LTV
50%
Milo
Crypto mortgage specialist offering up to 100% financing with BTC or ETH collateral. Non-QM loans up to $25M. Over $100M originated as of February 2026.
Borrow
8%–10%+ (non-QM)
Max LTV
Up to 100%
Nexo
Leading CeFi lending platform offering instant crypto-backed loans and interest-earning accounts. Licensed and regulated with insurance coverage on custodied assets.
Lend
4-16% APY
Borrow
2.9-13.9% APR
Max LTV
90%
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