How does P2P crypto lending work?

Borrowers post collateral (cryptocurrency) and request a loan. Lenders fund loans and earn interest. The collateral is held in escrow and returned when the loan is repaid.

What happens if a borrower defaults?

If the loan-to-value (LTV) ratio reaches 95%, the collateral is automatically liquidated and the lender is repaid. This protects lenders from borrower default.

What interest rates are available?

Interest rates are set by individual lenders in a free market. Rates vary based on collateral type, loan duration, and market conditions.

P2P Crypto Lending Variable Verification

Q: Is KYC required to borrow or lend?

Often, no. Both borrowers and lenders can connect a wallet and participate for eligible loans secured by over-collateralization. Wallet-based access does not guarantee eligibility or reduced verification; checks, limits, and availability vary by activity, payment method, risk, connected provider, and jurisdiction.

Review currently enabled peer-to-peer crypto lending offers and their supported collateral, repayment, payment, verification, custody, and jurisdictional terms.

Browse Loan Offers Create Loan Offer

P2P crypto lending with wallet-based options

Traditional lending requires identity verification, credit scores, and bank approvals. CoinExchange.Cash P2P crypto lending lets you borrow and lend directly with peers. Wallet-based access does not guarantee eligibility or reduced verification; checks, limits, and availability vary by activity, payment method, risk, connected provider, and jurisdiction.

Route-Specific Credit Checks

No FICO scores, no income verification, no employment history. Your crypto is your collateral.

Set Your Own Terms

Choose your interest rate, duration, collateral ratio, and acceptable cryptocurrencies.

Escrow-Protected Loans

Automatic liquidation protects lenders if collateral drops. Escrow and custody depend on a verified funded live route, available signers, and the displayed release, refund, dispute, and recovery terms.

Lend to Earn

Offer crypto loans to earn interest. Set your rate and wait for borrowers — passive income from your holdings.

Automatic Liquidation Protection

Smart monitoring alerts you when LTV approaches the liquidation threshold. Add collateral at any time to prevent liquidation.

Wallet-First Options

Traditional lending platforms require identity verification. Wallet-based access does not guarantee eligibility or reduced verification; checks, limits, and availability vary by activity, payment method, risk, connected provider, and jurisdiction.

How P2P crypto lending works

Create or Browse Offers

Lenders create offers with their terms (rate, duration, collateral). Borrowers browse and accept offers that work for them.

Lock Collateral

Borrower locks crypto collateral in non-custodial escrow. Over-collateralized for lender safety.

Repay & Release

Borrower repays the loan plus interest. Collateral is released automatically. Disputes handled by arbitration.

Start P2P crypto lending

Join the non-custodial P2P crypto lending marketplace. Earn interest or borrow against your crypto. Verification, collateral requirements and supported payment methods vary by product and jurisdiction.

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