CRYPTO-BACKED LENDING
Borrow cash while holding your crypto. Receive USDC or USDT in a supported exchange account or wallet through our lending partner.
Subject to provider terms, available collateral and network conditions. Loan amounts and timing are not guaranteed.
Explore lending with our partnerCONTACT STONELEIGH
UNDERSTAND YOUR OPTIONS
The information below presents the features described in our original lending materials in readable text. Provider terms, available protocols and asset support may change.
Historical comparison from the original page. These figures are retained for reference; request a current provider quote.
| Feature | DeFi marketplace lenders | Centralized finance lenders |
|---|---|---|
| Providers listed | Aave, Compound, MarginFi and Morpho | Arch, Figure and Ledn |
| Supported assets listed | ETH, SOL, AAVE, cbBTC, cbETH, LINK, tBTC, UNI, USDT, wBTC and stETH | BTC, ETH or SOL |
| Advertised interest rates | As low as 3.80% APR at 86%+ LTV | As low as 11.00% APR at 50% LTV or 12.62% APR at 75% LTV |
| Service fee | 2% | 1–2% |
| Custodian | Non-custodial / self-custody | Anchorage or BitGo |
| Term length | No fixed repayment terms listed | One year or up to two years |
| Restricted U.S. states listed | No restrictions listed | DC, ID, IL, KY, MD, MS, SD, TX, VT, VA and others |
The original 1st Capital Finance marketplace materials list Ether (ETH), Solana (SOL), Aave (AAVE), Coinbase Wrapped Bitcoin (cbBTC), Coinbase Wrapped Staked ETH (cbETH), Chainlink (LINK), Threshold Bitcoin (tBTC), Uniswap (UNI), Tether (USDT), Wrapped Bitcoin (WBTC) and LIDO Wrapped Staked ETH (stETH). Availability depends on the protocol and network; confirm current support with the provider.
Loan-to-value (LTV) is the loan amount divided by the value of your collateral. Crypto loans are overcollateralized to provide a buffer against price changes. Your LTV updates as prices move and determines borrowing capacity and liquidation risk.
The original program states that participating DeFi lenders do not require a hard or soft credit check and do not report to credit agencies. Confirm the terms of the specific provider you choose.
Choose the amount to borrow, the stablecoin you want to receive and the crypto asset to collateralize. Compare protocol rates and offers, then set up your loan through the provider’s wallet. The original materials describe borrowing up to 86% or more of collateral value in USDC or USDT, with options to manage, modify, refinance or repay. Actual limits depend on current terms.
The original materials list Aave V3 on Ethereum, Base, Optimism and Polygon; Compound III on Ethereum, Base, Optimism and Polygon; MarginFi V2 on Solana; and Morpho V2 on Ethereum and Base. Confirm current integrations with the provider.
DeFi lending commonly uses floating rates that change with market conditions. Rates are calculated by the lending protocol rather than fixed to a conventional loan benchmark. Your rate can increase or decrease during the loan.
The original materials describe borrowing without selling the collateral. Tax treatment depends on the transaction and individual circumstances, and liquidation or conversion may have tax consequences. Consult a qualified tax professional.
The original program is described as available to businesses, entrepreneurs and individuals holding supported crypto assets, without conventional credit criteria. Provider eligibility, network and legal restrictions may still apply.
If your LTV reaches the protocol’s liquidation threshold, collateral may be liquidated and a fee may apply. Monitor your loan, pay interest or add collateral when needed, and use email and text alerts. Alerts do not eliminate liquidation risk.
Contact Stoneleigh to arrange a short call about the lending program.
Contact StoneleighOur original page features Vegas Auto, described as a client offering crypto-backed loans to luxury-car buyers, and a Rocko article titled “How to Finance Your Car Purchase with Crypto Loan,” dated January 8, 2025, by Team Rocko, Co-Founder.
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