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Bank on fairness

We take our cut for insurance, licensing and liquidity, and return the rest to you.

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Earn on the most popular digital assets on the blockchain


Cold storage to cold hard cash

Pledge your digital assets to Cred and we’ll offer you some of the most competitive interest rates on the blockchain. Hold onto your crypto while we put it to work for you.

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How it works

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Pledge your digital assets with
one of our trusted partners.

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Accrue a fixed interest no matter
how the market moves.

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Cred pays interest monthly
in crypto and fiat. 

Want to learn more about how Cred works?

Read our FAQ

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Cash in without cashing out

You don’t have to sell your crypto to get liquid. We turn your digital assets into something tangible, you know, like USD, Euros and other fiat currencies you can spend right away.

We share the spread

High returns, low rates

We combine the best of traditional financial services with the best of blockchain and meet you in the middle.

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A Bank’s return for what you loan


Cred’s return for what you loan and rate for what you borrow


A Bank’s rate for what you borrow

Cred vs traditional banks

Earn up to 10% interest on your digital assets

Borrow cash with your crypto as collateral

Includes crypto, fiat, and precious metals

No hidden fees or minimums to start



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Are you a whale?

Chat about your options with one of our Loan and Capital Markets specialists.

Schedule a call

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Cred & Blockchain Advocacy Coalition sponsor Assembly Bill 953

Learn more

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Security first

Decentralized doesn’t mean dangerous

Cred works with trusted security and insurance providers Fireblocks to ensure that our customers’ digital assets have enterprise-grade security. We are proud to be fully vetted and partnered with BitGo, Ledger, and Xapo, with BitGo and Ledger fully supporting the LBA token

Backup plans

The blockchain, buttoned-up

Cred has one of the most comprehensive insurance policies available, including cyber hacking, E&O and regulatory coverage.

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*Thank goodness Cred is not a bank.  We can leverage the blockchain to do everything a bank does but better.

Cred (US) LLC is a licensed lender and allows some borrowers to earn a yield on cryptocurrency pledged as collateral.  Cred (US) LLC also rents cryptocurrency from users and pays rental fees calculated as an interest rate yield.  The yield feature, whether as part of a pledge or a rental agreement, is sometimes referred to as “CredEarn.”  Outside the United States, Cred Inc. accepts loans of cryptocurrency from non-U.S. persons and pays interest on those loans.  Neither Cred Inc. nor Cred (US) LLC sell or offer to sell investments or securities; neither entity is a bank and no transaction or arrangement provided by either entity is guaranteed or insured by the FDIC or any other governmental entity.   Cred makes no representation regarding its creditworthiness or financial position.  Cred can extend the term of any loan, crypto rental or pledge in its discretion.  “CredBorrow” and “crypto line of credit” (abbreviated “C-LOC”) are trade names for lending products of Cred (US) LLC.  This communication may not be used to offer or sell anything in any jurisdiction if doing so is not lawful.  All loans by Cred are made or arranged pursuant to California Finance Lenders Law License 60DBO-91480.

Get Cred


Get Cred


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Thank goodness Cred is not a bank.  We can leverage the blockchain to do everything a bank does but better.

CredEarn is the trade name for a service offered to non-US persons by Cred LLC, which is an entity distinct and separate from Cred (US) LLC.  CredEarn allows you to extend a loan to Cred LLC.  The purpose of the loan is to allow you to earn an enhanced yield on your crypto assets, such as Bitcoin.  Cred LLC is not a bank and CredEarn services are not insured by the FDIC.

CredBorrow and C-LOC™ are trade names for lending products of Cred (US) LLC, a licensed lender and a wholly-owned subsidiary of Cred LLC. Loans, loan amounts, terms, and rates are not available in every jurisdiction, or for every collateral type. Available rates, loan amounts, and other terms are subject to change. Loan applicants are subject to AML and KYC screening. Terms, conditions, and restrictions apply.

Loans made or arranged pursuant to California Finance Lenders Law License 60DBO - 91480.