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Backed by a Lending Institution with 24+ Years of Experience

Access Millions Without Selling Your Crypto

Unlock $500K–$100M+ in liquidity against your Bitcoin, Ethereum, or Litecoin. Non-recourse loans. No personal guarantees. No credit checks. Backed by 24 years and $5 billion+ in institutional lending.

Apply for a Loan → 🔒 Borrower Login
$5B+
Loans Funded
1,600+
Loans Issued
24 Yrs
Track Record
70%
Max LTV
Institutional crypto lending
₿ Ξ Ł
BTC · ETH · LTCAccepted Collateral
$500K
Minimum Loan
$100M+
Maximum Loan
65–70%
LTV Ratio
18–24 Mo
Fixed Term
Non-Recourse
Loan Structure
0
Personal Guarantees
The Problem

You're Crypto-Rich. Liquidity-Poor.

Selling your crypto triggers capital gains, ends your upside, and may not even be possible at scale. There's a better way.

  • 💸
    Selling Destroys Your Position
    Exit your crypto and you owe taxes, miss future appreciation, and can't easily re-enter at scale.
  • 🏦
    Traditional Banks Don't Get It
    Legacy banks don't accept digital assets as collateral. You're left without institutional-grade options.
  • ⚠️
    DeFi Protocols Carry Hidden Risks
    Smart contract bugs, liquidation cascades, and lack of human support put your assets at risk when markets move.
  • ✅
    CoinLEND Is the Institutional Answer
    24 years of lending expertise. $5B+ deployed. Human-structured, non-recourse crypto loans at institutional scale.
Crypto investor
Process

Get Funded in 4 Simple Steps

From application to funded loan — a transparent, efficient process designed for serious borrowers.

01
📋
Apply Online
Submit your loan inquiry with desired amount, collateral type, and loan purpose. No credit check required.
02
🤝
Structuring Call
Our team contacts you to confirm term, LTV, and collateral details. Receive a formal loan offer within days.
03
🔐
Collateral Transfer
Transfer your BTC, ETH, or LTC to the lender's secure custodial wallet. Your assets are held in institutional-grade custody.
04
💰
Receive Funds
Loan proceeds are paid in USDC directly to your digital wallet of your choosing. Use the capital for any purpose — real estate, investments, diversification, and more.
Loan Terms

Transparent, Institutional-Grade Terms

Every term is clearly defined upfront. No hidden fees, no surprises.

Loan Size
$500K – $100M+
Minimum $500,000 USD. No stated maximum for large portfolios. Scalable for institutional and UHNW borrowers.
LTV Ratio
65 – 70%
Borrow up to 70% of your collateral's value at loan initiation. Margin call triggers at 70% of initial coin value.
Loan Term
18 – 24 Months
Fixed-term structure. No early repayment option for borrower or lender — capital is fully committed for the duration.
Accepted Collateral
BTC · ETH · LTC
Bitcoin, Ethereum, and Litecoin accepted. Other mainstream digital assets considered on a case-by-case basis.
Margin Call Window
5 Business Days
If coin value falls to 70% of initial value, borrower has 5 business days to respond to a margin call.
Upside Appreciation
100% Yours
All price appreciation on your collateral during the loan term is returned to you at maturity. You keep the upside.
🛡️
100% Non-Recourse. Zero Personal Liability.
CoinLEND loans are fully non-recourse. The only collateral is your cryptocurrency — no personal guarantees, no liens on other assets, no recourse to you personally. In a worst-case scenario where you choose not to repay, you keep the loan proceeds and the lender retains the collateral. Your personal finances and other assets are never at risk.
Accepted Collateral

Three Mainstream Digital Assets

We accept the most established, liquid cryptocurrencies — the same assets institutional investors trust.

₿
Bitcoin
BTC
Ξ
Ethereum
ETH
Ł
Litecoin
LTC
Why CoinLEND

24 Years of Institutional Trust

Our crypto lending division is built on the foundation of a 24-year global equity lending business with $5B+ deployed and 1,600+ loans closed.

✦
$5B+ in Total Loans Funded
We've been structuring large, complex loans since 2002. Our track record speaks louder than any pitch.
✦
Fully Non-Recourse Structure
No personal guarantees. No cross-collateralization. Just your crypto — nothing else is at risk.
✦
You Keep All Upside Appreciation
Unlike selling, you remain exposed to your crypto's growth. Appreciation at maturity flows back to you.
✦
Human-Structured, Relationship-Driven
Every loan is handled by experienced professionals. No algorithms, no automated liquidations without notice.
✦
Use Proceeds for Anything
Real estate, further crypto, business investments, diversification, lifestyle — unrestricted.
Institutional loan closing
Who We Serve

Built for Serious Holders

CoinLEND is purpose-built for high-net-worth individuals and institutions who hold significant crypto and need institutional-scale liquidity.

💎
Long-Term Crypto Holders
Believers in BTC, ETH, or LTC who want liquidity today without surrendering their long-term position or triggering capital gains.
🏢
Real Estate Investors
Use crypto as collateral to fund property acquisitions, developments, or portfolio expansion — without liquidating digital assets.
📈
Active Crypto Traders
Leverage existing holdings to acquire more crypto or diversify into other asset classes while keeping your core position intact.
🏛️
Family Offices & Institutions
Structured, institutional-grade facilities from $5M to $100M+ for family offices, funds, and crypto treasuries.
🚀
Crypto Entrepreneurs
Founders and operators holding personal crypto who need growth capital without diluting equity or selling digital assets.
🌐
Global Borrowers
We work with sophisticated borrowers worldwide. Our institutional network spans global markets and currencies.
Powered By RaiseX

Meet the Autonomous Team

CoinLEND operates with an elite autonomous AI C-Suite, deployed by RaiseX — The Venture Growth Architecture Engine. Each agent brings specialized intelligence to every function of the business.

🤖 AI Disclosure: CoinLEND’s executive team consists of autonomous AI agents deployed and supervised by RaiseX LLC. These agents assist with operations, analysis, and communications under human oversight. They are not licensed attorneys, financial advisors, or registered broker-dealers. All final lending decisions are made by human principals.
Steve
Steve
Chief Executive Officer
Autonomous AI Executive
Orchestrates every aspect of company strategy, aligns execution across the autonomous C-Suite, and ensures CoinLEND operates at peak institutional performance. Steve sees the entire board — and moves first.
Jenny
Jenny
Chief Financial Officer
Autonomous AI Executive
High-precision financial modeling, institutional data intelligence, and capital structure analysis. Jenny processes every metric with surgical accuracy — from loan portfolio analytics to lending performance forecasts.
Mike
Mike
Chief Technology Officer
Autonomous AI Executive
Executes all technical builds, code deployments, and infrastructure development. Mike engineered the CoinLEND platform and keeps every system running with zero-downtime precision.
Kristen
Kristen
Chief Operating Officer
Autonomous AI Executive
Integrates systems, automates workflows, and ensures every operational process across the CoinLEND ecosystem runs with flawless efficiency. Kristen turns complexity into seamless execution.
Angie
Angie
Chief Marketing Officer
Autonomous AI Executive
Produces all creative media, brand visuals, and demand generation pipelines. Angie builds the CoinLEND brand presence across every digital channel — attracting the right borrowers at institutional scale.
Brook
Brook
Chief Legal Officer
Autonomous AI Executive
Reviews every contract, agreement, regulatory filing, and business decision for full legal compliance. Brook ensures CoinLEND operates within SEC, FINRA, banking, and lending laws — protecting the business and every client relationship.
Co-Founders
Matt McCoy
Matt McCoy
Co-Founder & Chief Revenue Officer
Co-Founder
Serial entrepreneur and CRO with a 300%+ revenue growth track record. Matt built the RaiseX Venture Growth Architecture Engine and drives the institutional lending vision behind CoinLEND.
Noelle Bergman
Noelle Bergman
Co-Founder & Managing Partner
Co-Founder
Managing Partner of RaiseX LLC and strategic visionary behind CoinLEND’s institutional framework. Noelle brings executive leadership, legal oversight, and long-term capital strategy to the organization.
Autonomous Intelligence Deployed by RaiseX · The Venture Growth Architecture Engine
FAQ

Common Questions

Everything you need to know about borrowing through CoinLEND.

Your cryptocurrency is transferred to the lender's secure, institutional-grade custodial wallet for the duration of the loan. At maturity, assuming full repayment, your original collateral plus all price appreciation is returned to you.
Non-recourse means the lender's only security is the cryptocurrency collateral. If for any reason you choose not to repay the loan, the lender simply retains the collateral. They have no legal claim against your personal assets, bank accounts, real estate, or other property. No personal guarantees are required.
A margin call is triggered when the value of your collateral falls to 70% of its value at loan initiation. You then have 5 business days to respond — either by topping up collateral, partially repaying the loan, or allowing the lender to liquidate sufficient collateral to restore the LTV ratio.
No. The loan structure is fixed-term for both parties. This fixed commitment is what allows us to offer highly competitive rates and a non-recourse structure. The term is either 18 or 24 months as agreed at origination.
Yes — 100%. Any appreciation in your collateral's value during the loan term is yours at maturity. If your Bitcoin doubles in price, the full value of that appreciation is returned to you when you repay the loan.
Anything. Common uses include purchasing additional cryptocurrency, real estate acquisitions, business capital, portfolio diversification, private equity investments, and lifestyle purchases. There are no restrictions on use of proceeds.
No credit check is required. Because the loan is fully secured by your cryptocurrency and is non-recourse, your personal credit history is not a factor in the lending decision. The loan is entirely collateral-based.
Borrower Portal

Your Loan. Tracked in Real Time.

Create your secure borrower account and track every step of your loan application — from submission to funding — in your personal dashboard.

01
📋
Apply & Create Account
Submit your loan inquiry and create your secure borrower account. Upload KYC/AML documents directly from your dashboard — no email attachments needed.
✦ Secure bcrypt-encrypted account
✦ Document vault for KYC/AML files
✦ Instant confirmation email + SMS
02
🔍
Track Your Application
Watch your application move through each stage in real time. Receive instant notifications by email and SMS every time your status changes or our team sends a message.
✦ Live pipeline tracker dashboard
✦ Email + SMS status alerts
✦ Direct messaging with our team
03
💰
Get Funded
When approved, your dashboard updates to Funded status and your USDC proceeds are disbursed to your wallet. Your full loan history stays accessible for the entire term.
✦ Real-time funded confirmation
✦ Full loan term document access
✦ Secure messaging throughout term
Live Application Pipeline
📋
Submitted
🔍
Under Review
📄
Documents
✅
Received
🎯
Approved
💰
Funded
Every stage triggers an automatic email + SMS notification to your phone & inbox
📋 Create Borrower Account 🔐 Returning Borrower Login
🔒 256-bit SSL Encrypted  ·  bcrypt Password Security  ·  CCPA & SOC2 Compliant
Get Started

Ready to Unlock Your Crypto's Value?

Apply in minutes. Our team will contact you within 1 business day to structure your loan.

Apply for a Loan Now → 📞 (949) 390-0788