CoinLoan – earn compound interest just by storing assets

What is CoinLoan?


  • Earn up to 7.2% on BTC
  • Earn up to 12.3% on Stablecoins
  • Easy-to-use Platform
  • Responsive Support
  • Insured – $250 million
  • Deposit fees – NO
  • Withdrawal fees – 1 free withdrawal per month
  • Interest paid – Daily

Looking to earn interest on your digital assets? CoinLoan might be the perfect platform for you!

When it comes to financial planning, saving money is only half the battle – you also need to make sure that your money is working hard for you. One of the best ways to do this is to invest in assets that offer compound interest.

Coinloan is a great option for those looking to invest in digital assets with the potential to earn compound interest. With Coinloan, you can earn up to 12.5% per year on your investments, with interest paid out daily. Plus, your investment is always backed by a reserve of real assets, so you can rest assured knowing your money is safe.

So, if you’re looking for a way to grow your money without taking on too much risk, Coinloan is worth considering. Why not start earning compound interest on your digital assets today?

Licensed by the Estonian Financial Authority since 2017, CoinLoan is a platform for lending digital currency throughout Europe. In addition to advanced exchange services, CoinLoan offers high interest-earning deposits, loans in fiat currency, and cryptocurrency.

CoinLoan is an international crypto-lending platform. It allows users to borrow fiat, cryptocurrency and ICO tokens in a secure environment on the basis of collateralized assets. This service is available to everyone, including residents of the United States, Canada, UK and other major European countries.

How does it work?

1.Crypto Interest Account

Depositing crypto or fiat to your CoinLoan account is very straightforward. After verifying your account, you will get access to all of your CoinLoan wallets. You can simply click on “DEPOSIT” and retrieve the information about your crypto wallet.

You can then transfer your crypto directly from your exchange wallet or hardware wallet to your CoinLoan wallet.

The following crypto assets are currently supported by the crypto lending platform.

Assets and Rates
Keep in mind that while FIAT transfers normally take a few hours, they can take up to three business days.
After topping off your account, interest on deposits will begin to accrue automatically. Every day, the yield is paid out.

Note that you also need to buy and stake CoinLoan tokens (CLT) if you want to earn the maximum interest rate for any asset.

CLT is the platform’s native token, and you purchase it directly through CoinLoan’s platform. Staking CLT doesn’t pay you interest directly, but it boosts the interest rates for other assets in your crypto interest account. Here’s how CLT staking tiers work:

  • 125 CLT: Increases interest rate by 0.1%
  • 375 CLT: Increases interest rate by 0.3%
  • 1,000 CLT: Increases interest rate by 0.8%
  • 1,250 CLT: Increases interest rate by 1%
  • 2,500 CLT: Increases interest rate by 2%

2.Crypto-Backed Loans

You don’t have to sell your cryptocurrencies to receive cash, which is one of the key benefits of using cryptocurrency for loans. Additionally, since crypto loans are heavily collateralized, you can use your crypto as collateral if you have it rather than worrying about credit scores or other severe borrower criteria.

You must first deposit collateral before applying for a loan through CoinLoan. The platform accepts deposits in the cryptocurrencies Bitcoin and Ethereum. The loan amount, asset being borrowed, loan term, and loan-to-value (LTV) ratio are then entered.

Although you have a choice of up to 36 months, the minimum borrowing term is one month. LTV ratios range from 20% to 70%, and having

Once more, you can change the LTV ratio to require considerably less BTC as a down payment for loans. Overall, this speeds up access to fiat and cryptocurrencies for borrowers by removing the need for documentation and dealing with tight lenders.

Additionally, you can repay debts whenever you like. Please be aware that you cannot use cryptocurrencies from your interest account as security for loans. However, you are free to take cryptocurrency from an interest-bearing account and use it as collateral for loans.

It’s also important to note that using CLT tokens to pay loan fees results in a 50% reduction.

3.Buy And Sell Crypto

Utilizing CoinLoan is primarily for borrowing money or using your cryptocurrency to generate passive revenue. However, the platform makes it simpler for you to use CoinLoan Trade to move digital assets around.

You can swap cryptocurrency for fiat currency and vice versa with CoinLoan Trade. You begin by funding your CoinLoan wallet with currency, cryptocurrencies, or stablecoins. From there, you can buy any of the resources that CoinLoan offers.

You can utilize the Euros, British Pounds, USDC, and other cryptocurrencies and stablecoins you have on hand to trade on CoinLoan by depositing them there. Additionally, CoinLoan accepts a number of payment options, such as:

SEPA (for Euro and Eurozone people) (for Euro and Eurozone citizens)
SWIFT AdvCash for Mastercard and Visa (available for all currencies but not available in the US)
as soon as you begin trading.

Overall, compared to exchanges like Coinbase and Binance, CoinLoan provides a far smaller number of assets. However, it is quicker to buy cryptocurrency via CoinLoan’s platform than using an exchange and then transferring your cryptocurrency to your CoinLoan wallet if you use the service to earn interest or obtain loans.

How do I get started?

To register and invest on CoinLoan, you need to fulfill the following criteria:

  1. Be over 18 years old
  2. Have a valid ID document

CoinLoan is also available for users from all over the world, including the U.S. or UK.

You sign up for CoinLoan by entering your email and password. Once you verify your email with a verification code, you complete know your customer (KYC) verification to unlock all the features.

KYC requirements involve entering your name, address, and phone number. CoinLoan also requires uploading a government-issued ID like a passport or driver’s license and selfie.

The process takes a few minutes. CoinLoan operates worldwide as well, although it states some countries aren’t eligible due to risk and that you must complete KYC verification to check if your country is supported.

A free iOS and Android app is available from CoinLoan. You can monitor your interest account, borrow cryptocurrency, and trade from your smartphone thanks to the app’s capabilities, which are the same as those of the web version.

It is not impossible for a crypto lending platform to have a mobile app. It’s still a handy thing to have, especially if you frequently buy cryptocurrency and shift assets about in your interest account.

Does CoinLoan charge anything?

There are no costs associated with your interest account or withdrawals on CoinLoan. If earning income is your only goal with CoinLoan, you can utilize it without worrying about fees because deposits are also cost-free.

For its loan and trading services, CoinLoan levies a range of fees:

Borrowing costs are 1% of the loan’s principal amount in loan currency.
Fees for liquidation: 7% of the value of the loan collateral.
As previously noted, if you pay off borrowing expenses using CLT tokens, you receive a 50% discount.

When dealing using CoinLoan, network fees are also incurred. However, as this represents the price of transferring assets throughout the blockchain, even exchanges like Coinbase and Kraken impose these fees.

If you use money to purchase cryptocurrency, you may also be charged a range of transaction fees depending on the payment method you choose. Check the exchange rate you’re getting on your order screen before making a trade with CoinLoan because it differs depending on your bank and the country.

Is CoinLoan Safe and Legit?

Placing your cryptocurrency holdings on a shady platform could diminish your revenue and result in the loss of your digital assets. However, you can be confident that CoinLoan appreciates security and is one of the most secure sites for investors and cryptocurrency lovers.

To protect your assets, CoinLoan has a number of security measures in place.


When you access your wallet, CoinLoan offers Two-Factor Authentication (2FA) authorizations and notifies you via email. Biometric authentication is also supported by the mobile app.

Cold offline wallets are where users’ cryptocurrency holdings are kept. These call for a multi-signature procedure using a number of keys. It is impossible to sign with a single key, and even if one multi-signature key is lost, your assets are still secure.

For increased protection, the encrypted portions of the keys are kept in bank safe deposit boxes.

To prevent external interference with transactions, CoinLoan adheres to the most recent encryption standards. Infrastructure is in place to stop assaults from happening and to use a vulnerability scanner every day to look for flaws.


To confirm the legitimacy of its users, CoinLoan uses KYC standards and adheres to AML (Anti-Money Laundering) regulations. The Republic of Estonia and the European Union’s current laws are used to conduct transactions on CoinLoan. Finally, the Estonian Intelligence Unit has granted CoinLoan a license to function as a regulated financial institution.


BitGo serves as CoinLoan’s custodian for the assets of its users. This custodian is given a $250 million insurance policy by Lloyd’s Syndicate in the event that keys are lost or stolen through hacking.


A support section on CoinLoan offers 60 educational pieces and frequently asked questions. By selecting the tiny chat button in the bottom right corner of the screen while using a desktop computer, you can use the chat feature to communicate your issues with the support staff, you can also chat with the customer service staff. Finally, if you have any questions, you may also mail  with your questions. CoinLoan also has a Telegram group and Reddit community where its members ask questions and share relevant news. Alternatively, you can call CoinLoan at +372 634 6411 or +1 (657) 220-1706. Overall, CoinLoan reviews are fairly positive, and the company has a 4.5 star rating on Trustpilot. Most positive reviews state that the platform is easy to use and that CoinLoan customer support is timely and helpful.

Pros and Cons

pros and cons

Join CoinLoan today !

Main benefit If you decide to register through EarnonNet link, we will split the prizes, half 50%/50%

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