What does 50% LTV mean?

A 50% loan-to-value ratio means your loan is 50% of your collateral's value — you borrow $50 for every $100 of crypto you post as security. The remaining 50% is your buffer against a falling market.

How many platforms offer 50% LTV crypto loans?

We track 10 platforms that allow borrowing at 50% LTV or below, with borrow rates from 1.90% APR. You can always borrow below a platform's maximum LTV to stay more conservative.

Is a 50% LTV loan safe?

A 50% loan-to-value ratio is the conservative end of crypto borrowing, and the level most CeFi lenders cap at for volatile collateral. No loan is risk-free — liquidation is always possible if collateral falls far enough — but a 50% LTV gives roughly a 50% cushion before your debt meets your collateral's value.

How far can my collateral fall at 50% LTV?

As a rule of thumb, about 50% before your debt equals your collateral's value — but platforms liquidate at their threshold before that, so keep an extra margin. Use our loan calculator to find the precise liquidation price for your position.

Best 50% LTV crypto loans

What are the best 50% LTV crypto loans?

10 platforms we track offer loans at 50% LTV or better, from 1.90% APR. A lower LTV means you post more collateral but gain a much larger buffer — roughly 50% — before liquidation risk becomes serious.

Loan-to-value (LTV) is the single most important risk dial on a crypto loan: it is the size of your loan as a percentage of your collateral's value. A 50% LTV loan means borrowing $50 for every $100 of collateral you post. 10 platforms in our index let you borrow at 50% LTV or below, with rates starting at 1.90% APR.

Platforms that support borrowing at 50% LTV or below, ranked by borrow rate.

Platform	Borrow APR	Max LTV	KYC	Custody	Apply
NexoCeFi	1.9–18.9%	50%	Required	Third-party	Apply
CompoundDeFi	2.7–6%	83%	No KYC	Self-custody	Apply
AaveDeFi	4–8%	80%	No KYC	Self-custody	Apply
MorphoDeFi	4–9%	86%	No KYC	Self-custody	Apply
MakerDAO (Sky)DeFi	5–9%	80%	No KYC	Self-custody	Apply
YouHodlerCeFi	5.9–12%	90%	Required	Third-party	Apply
LednCeFi	9.25–11.9%	50%	Required	Third-party	Apply
FirefishDeFi	10.9–15%	50%	Required	Self-custody	Apply
CoinRabbitCeFi	11.95–16.8%	90%	No KYC	Third-party	Apply
UnchainedCeFi	14–16.21%	50%	Required	Collaborative	Apply

NexoCeFi

Borrow APR: 1.9–18.9%
Max LTV: 50%
KYC: Required
Custody: Third-party

Apply

CompoundDeFi

Borrow APR: 2.7–6%
Max LTV: 83%
KYC: No KYC
Custody: Self-custody

Apply

AaveDeFi

Borrow APR: 4–8%
Max LTV: 80%
KYC: No KYC
Custody: Self-custody

Apply

MorphoDeFi

Borrow APR: 4–9%
Max LTV: 86%
KYC: No KYC
Custody: Self-custody

Apply

MakerDAO (Sky)DeFi

Borrow APR: 5–9%
Max LTV: 80%
KYC: No KYC
Custody: Self-custody

Apply

YouHodlerCeFi

Borrow APR: 5.9–12%
Max LTV: 90%
KYC: Required
Custody: Third-party

Apply

LednCeFi

Borrow APR: 9.25–11.9%
Max LTV: 50%
KYC: Required
Custody: Third-party

Apply

FirefishDeFi

Borrow APR: 10.9–15%
Max LTV: 50%
KYC: Required
Custody: Self-custody

Apply

CoinRabbitCeFi

Borrow APR: 11.95–16.8%
Max LTV: 90%
KYC: No KYC
Custody: Third-party

Apply

UnchainedCeFi

Borrow APR: 14–16.21%
Max LTV: 50%
KYC: Required
Custody: Collaborative

Apply

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Why borrow at 50% LTV?

A 50% loan-to-value ratio is the conservative end of crypto borrowing, and the level most CeFi lenders cap at for volatile collateral. You post twice as much collateral as you borrow, which buys a large safety margin: your collateral can roughly halve in value before your debt approaches it. This is the right tier for borrowers who prioritise sleeping at night over squeezing maximum liquidity from their coins — and for anyone borrowing against a more volatile asset where a sharp drop is plausible.

Your liquidation buffer at 50% LTV

Here is what a 50% LTV loan looks like in practice. Post $10,000 of collateral and you can borrow up to $5,000. Your collateral would have to fall by roughly 50% — to $5,000 — before your debt equalled its value. In reality, platforms liquidate before that point, at their liquidation threshold, so the usable buffer is a little smaller. But the relationship is the key intuition: the lower your LTV, the more your collateral can fall before liquidation becomes a danger.

That is why choosing an LTV is really choosing how much volatility you can absorb. Borrow at the maximum and a single bad day can wipe out your margin; borrow well below it and you trade some liquidity for the ability to ride out a drawdown. Our loan calculator lets you plug in your own collateral and see the exact liquidation price at any LTV.

Top platforms for a 50% LTV loan

Borrow on Nexo Borrow on Compound Borrow on Aave

Frequently asked questions

What does 50% LTV mean?: A 50% loan-to-value ratio means your loan is 50% of your collateral's value — you borrow $50 for every $100 of crypto you post as security. The remaining 50% is your buffer against a falling market.
How many platforms offer 50% LTV crypto loans?: We track 10 platforms that allow borrowing at 50% LTV or below, with borrow rates from 1.90% APR. You can always borrow below a platform's maximum LTV to stay more conservative.
Is a 50% LTV loan safe?: A 50% loan-to-value ratio is the conservative end of crypto borrowing, and the level most CeFi lenders cap at for volatile collateral. No loan is risk-free — liquidation is always possible if collateral falls far enough — but a 50% LTV gives roughly a 50% cushion before your debt meets your collateral's value.
How far can my collateral fall at 50% LTV?: As a rule of thumb, about 50% before your debt equals your collateral's value — but platforms liquidate at their threshold before that, so keep an extra margin. Use our loan calculator to find the precise liquidation price for your position.

Best 50% LTV crypto loans

Why borrow at 50% LTV?

Your liquidation buffer at 50% LTV

Top platforms for a 50% LTV loan

Frequently asked questions

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