Crypto-backed Loans | Abra
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Explore Crypto-Backed Loans
Use BTC or ETH as collateral to borrow USD or USDC
Current borrowing rate 3.83% APY₁
₁ Last Updated: Jun 05, 2026
Abra has funded $2.5B in collateralized digital asset loans
Borrow in USD or USDC against BTC or ETH
50% LTV (loan-to-value)
No credit checks
No prepayment penalties
How it works
- 01 Choose collateral
Post BTC or ETH as collateral - 02 Select loan currency
Borrow in USD or USDC - 03 Set your LTV
Borrow up to 50% LTV - 04 Receive funds
Funds are released within 1–3 business days - 05 Repay on your timeline
Loans are open-ended with no required payment schedule. Interest accrues and repayment is handled when you choose to close.
Rates and fees
Loans are open-ended with no required payment schedule. Interest accrues and repayment is handled when you choose to close.
- Daily Variable APY recalculated
- 1.00% Origination fee
- 0.20% Annual collateral fee (charged monthly)
- ~0.25% BTC wrapping/unwrapping fee (if applicable)
crypto loan calculator
you have
btc
you get
USD
loan details
- no payment required during loan
- no credit checks
- 2-3 days for processing
- 1% origination fee
- no counterparty risk
- open term loan
KEY CONSIDERATIONS
FAQ
What is a crypto-backed loan?
A crypto-backed loan lets you borrow USD or USDC while posting crypto as collateral. With Abra’s loan terms, collateral can be BTC or ETH and the loan is open-ended with no required payment schedule (subject to maintaining a healthy LTV).
What can I use as collateral?
BTC or ETH. BTC must be wrapped, and a wrapping/unwrapping fee may apply (per product terms).
What currencies can I borrow?
USD or USDC (per product terms).
What is the maximum LTV, and what does “recommended <50%” mean?
Product terms allow LTV up to 65% and recommend keeping LTV under 50% to reduce the risk of liquidation during market moves.
When does liquidation occur?
Product terms state “Liquidation at 77% LTV.” Maintaining a prudent LTV and adding collateral or reducing the loan balance may help manage this risk.
How is the interest rate set? Is it fixed?
The loan interest rate is variable and “recalculated daily” (per product terms). The one-pager shows an example “Interest rate: 5.45% today” and a “6-month average: 4.90%” (both described as variable and recalculated daily).
What fees should I expect?
Product terms disclose a 1.00% origination fee and a 0.20% annual collateral fee (charged monthly). If BTC collateral is used, product terms also reference a ~0.25% wrapping/unwrapping fee.
Do I need a credit check?
No credit checks (per product terms).
Is there a required payment schedule?
Product terms describe an “open-ended duration” with “no required payment schedule.” You can repay based on your own timeline, subject to maintaining LTV within healthy thresholds.
How quickly are funds available?
Product terms state funds are released within 1–3 business days.
How do rates compare to credit cards and personal loans?
As general market context, the Federal Reserve reports 20.97% APR for U.S. credit card plans (all accounts) and 11.65% APR for 24‑month personal loans (Nov 2025, released Jan 8, 2026). Individual pricing varies by product and provider.
Risks, Limitations & Disclosure
Abra Capital Management, LP (ACM) is an SEC-registered investment adviser. Investments in digital assets involve a high degree of risk, including the risk of loss. Digital assets are not bank deposits and are not insured by the FDIC, NCUA, or any other government agency. Net interest depends on variable borrow rates, collateral yield, swap costs, and safety buffers.