CoinLoan products

Loans, Fixed and Flexible Accounts, Exchange, a referral program, and corporate solutions.

Sofia avatar
Written by Sofia
Updated over a week ago

CoinLoan is a convenient and secure crypto tool for those who want to manage their crypto in one place. We offer Fixed and Flexible Accounts, Loans, and Exchange.

Earn interest with Fixed or Flexible Account

How it works

You park your assets on our platform and get interest for holding them. We offer two options: Fixed and Flexible Account. With a Fixed Account, you lock up your assets and get your initial deposit plus your interest credited to your Wallet after the deposit term is over. In addition, you can enable the Monthly Interest option and receive interest every month. With a Flexible Account, you deposit funds and can withdraw them anytime, as well as deposit them back. In this case, interest is accrued daily and credited to your balance on the first day of each month.

Fixed Account benefits include

  • Locking up your assets for a certain period and getting fixed interest, even if the market is unstable at the moment

  • Creating up to 50 accounts with different conditions (Annual Rate and holding period) per asset

  • Higher rates than Flexible Accounts have to offer

  • Bonus rewards for staking CLT, our native token. You can boost your Fixed rates by up to +1%. The amount of CLT to stake depends on the selected reward option and the initial deposit

You can earn up to 7% on crypto and up to 9.2% on stablecoins with our Fixed Account.

Flexible Account benefits include

  • More freedom in managing your assets: you can withdraw them and deposit them back anytime

  • Bonus rewards for staking CLT, our native token. If you have 2,500 CLT on your Flexible Account balance, it’s +1% to your standard rate

  • A minimum deposit term of one day, and the maximum is up to your own discretion

You can earn up to 5.2% on crypto and up to 6.2% on stablecoins with our Flexible Account.

Borrow funds with Loans

How it works

You choose the desired loan currency (fiat, crypto, or stablecoin), provide collateral, and get a loan that will be approved automatically in less than a minute.

Our Loans benefits

  • The only requirement to get a loan is collateral: no paperwork or credit history checks are needed.

  • No lock-ins, fines, or hidden fees: you only pay an origination fee when getting a loan, and we have no penalties for early repayment.

  • Loan approval is automatic: you don’t have to wait for a long manual approval.

  • Attractive rates: our interest rates start at 4.5%.

  • Our liquidation algorithm allows us to provide one of the highest LTV limits on the market — 70%.

  • You can get a loan for up to three years.

Swap assets with Exchange

How it works

You can buy crypto or stablecoins for fiat, sell your crypto assets, or swap currencies at beneficial rates. See our Exchange guide for more info.

Our Exchange benefits

  • 25+ assets and 200+ currency pairs available for exchanging

  • Immediate and 24/7 transaction execution

  • No extra fees charged

  • Beneficial rates: see the article about how we determine our exchange rates

Refer a Friend

How it works: you can invite your friends using your referral link and get your lifetime rewards*:

  • 0.2% of every exchange amount

  • 0.2% of every loan amount

  • 0.1% of Flexible Account holdings (annual rate, rewarded monthly**)

There’s no maximum revenue or time limit! The more friends you invite, the more bonuses you get. Rewards would accumulate as long as your referrals keep using the platform. You can share your unique referral link with a cashback offer.

Check all the details regarding the program in our article.

* Program terms are subject to change.

**You will get a monthly reward based on a 0.1% annual rate of all Flexible Account balances of a referral.

Corporate solutions

As a corporate client, you can use our Loans, Fixed and Flexible Account, and Crypto Exchange. All these options are highly customizable: reach out to us, and we will come back shortly!

Please refer to our series of articles about Corporate Account and don’t hesitate to contact us at if you have any questions.

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