Access credit without liquidating your cryptocurrency, benefiting of low  rates. Simply add funds, and your credit line becomes instantly accessible.

Elevating Your Financial Possibilities.

You can leverage your BTC or ETH as collateral to borrow stablecoins like EURST, USDC, USDT, or DAI, giving you the freedom to spend, stake, convert, or save as you see fit.


Empowering Your Financial Journey with WX-Credit.

Flexibility and affordability by allowing you to borrow up to 75% of your collateral's value. You have the freedom to repay your credit line at your convenience, and you'll only be charged interest for the duration your credit line is active.



Select a currency.

Use different tokens as collateral.

Instant Approval.

Experience immediate approval without the hassle.

Spend or Save.

Spend it your Wallex card or deposit in one of our Saving Plan.

Repay at anytime.

Flexible repayment options tailored for you. Repay through various methods.

Transparent Fees.

Easily see your daily loan charges and check anytime. You only pay for the days your WX-Credit is active and have full control over your payments.


Advanced Management Tools.

Stay ahead in the crypto game with our toolbox. Whether you're tweaking loan-to-value ratios or setting target profits, we've got what you need.



Frequently Asked Questions.

Wallex Credit is a service designed to help you access funds using your cryptocurrency as security. It's like tapping into the value of your digital assets without actually selling them. The process is straightforward: you offer your crypto holdings as collateral, and in return, you receive a line of credit in stablecoins, which are digital currencies pegged to real-world assets. This means you can borrow without worrying about fluctuations in the crypto market. Plus, with low-interest rates and instant access to funds, it's a convenient option for those who need cash but want to keep their crypto investments intact. You have full control over how much you borrow and in which currency, making it adaptable to your needs. Whether you want to spend the stablecoins using a Wallex Card, transfer them elsewhere, or save them, the choice is yours. And if you decide to close the credit line early, you can do so without penalties, only paying interest for the days you've used the credit. Overall, it's a flexible and user-friendly way to leverage your crypto holdings for financial flexibility.

To start a Wallex Credit line, it's essential to have an active account holding one of the supported cryptocurrencies, including BTC, ETH, LTC, DOGE, SOL, XRP, USDT, USDC, or EURST. This account serves as the foundation for funding your credit line. Additionally, you must maintain a positive balance in one of these crypto accounts to provide collateral for the credit line. In simpler terms, you'll need to have some cryptocurrency and keep it in your account to use as security for borrowing. Once you meet these requirements, you can unlock the benefits of Wallex Credit, such as instant access to funds and low-interest rates, using your crypto holdings as collateral.

To open WX-Credit, follow these steps:

  • Go to “WX- Credit” tab and then press on “Borrow: button;
  • Choose a credit account from the list of available accounts;
  • Choose a preferable ratio, collateral account, and borrowed amount, and then press “Continue”;
  • Accept the WX-Credit T&C, confirm the credit details, and press “Confirm”;
  • You will see the list of the credits you've made.

Congratulations! Now you've successfully borrowed funds from your crypto holding without spending them!

You can borrow, USDT , USDC , DAI and EURST , depending on which region you are in. For full availability please check your Wallex Profile.

The following currencies are available as collateral :


The borrowed amount depends on the collateral that you add and the allowed LTV ratio of it.

For more information about the borrowed amount and the LTV, please check this page.

The Loan-to-Value (LTV) ratio is a way to measure the risk associated with borrowing against your cryptocurrency collateral. It's calculated by dividing the amount you've borrowed by the value of the crypto you've put up as security, then expressing that as a percentage. For instance, if you borrow $100 in USDT and your Bitcoin collateral is valued at $1000, your LTV would be 10% (100 divided by 1000 equals 0.1, or 10%). You can easily monitor your LTV in real-time through the Wallex Dashboard and apps. If you notice it creeping too high, nearing a risky level, you have the option to add more collateral to your existing credit line. This helps bring your LTV back down to a safer range, ensuring your borrowing remains manageable and secure.