Secureshift crypto loan: borrow USDT against BTC

04 November, 2026

Crypto Loan Without Selling Your Bitcoin: How to Borrow on Secureshift

Need cash but don't want to sell your Bitcoin? A crypto loan lets you borrow stablecoins such as USDT or USDC against the crypto you already own. You keep your BTC, ETH or other assets, get liquidity within minutes, and receive your collateral back when you repay. In this guide you will learn exactly how to take a crypto loan on Secureshift, step by step, plus how to choose the right loan-to-value (LTV), estimate your interest and avoid liquidation.

What Is a Crypto Loan?

A crypto loan, also called a crypto-backed or collateral loan, works much like a home equity loan. Instead of pledging property, you pledge cryptocurrency. The lender holds your crypto as collateral and sends you a loan in stablecoins or another coin. When you repay the principal plus interest, your collateral is returned.

Because the loan is fully secured by your crypto, there is no credit check, no bank paperwork and no income verification. Your crypto is your credit.

Why Borrow Instead of Selling Your Crypto?

Keep your upside. If you believe Bitcoin or Ethereum will rise, selling today means missing future gains. With a loan, you still own the coins.
Get liquidity fast. Pay bills, cover an emergency, fund a business or take a new trading opportunity without waiting for a bank.
Avoid selling at a bad time. Markets move in cycles. Borrowing lets you wait for better prices instead of selling during a dip.
Possible tax advantages. In many countries, borrowing against crypto is not treated as a sale. Rules differ by country, so check with a local tax adviser.

Secureshift Crypto Loans at a Glance

Interest rate	From 15% APR, no hidden fees and no prepayment penalty
Loan-to-value (LTV)	50%, 65%, 80% or 90%
Loan term	Fixed 30-day term or unlimited (open-ended)
Collateral	Bitcoin, Ethereum and other supported assets, including tokenized stocks and ETFs
Receive your loan in	USDT on several networks (Tron, Ethereum, BNB Smart Chain, Polygon, Solana, Arbitrum, Avalanche, TON), USDC and other supported coins
Credit check	None
Repayment	Repay any time; collateral is returned after full repayment

How to Take a Crypto Loan on Secureshift: Step by Step

Step 1: Open the Crypto Loan page

Go to the Secureshift Crypto Loan page. The loan calculator is at the top of the page, so you can see your loan amount before committing to anything.

Step 2: Choose your collateral and amount

In the Collateral Amount field, pick the asset you want to pledge, for example BTC, and enter how much you want to deposit.

Step 3: Choose the coin you want to receive

In the Loan Amount field, choose your loan asset, such as USDT on Tron (TRC-20) or USDC on Solana. Pick the network that matches the wallet where you want to receive the funds.

Step 4: Select your LTV

Choose 50%, 65%, 80% or 90% LTV. A higher LTV gives you more money, but it also brings your collateral closer to the liquidation level. The calculator updates your loan amount instantly.

Step 5: Pick a loan term

Select a fixed 30-day term or an unlimited term. Interest accrues monthly from the date the loan is issued and is paid when you repay the loan in full or in part.

Step 6: Enter your payout address and confirm

Paste the wallet address where you want to receive your loan and confirm the request by email or phone. Double-check the address and network, because blockchain transfers cannot be reversed.

Step 7: Send your collateral

Send your collateral to the deposit address shown. After the blockchain confirms your deposit, the loan is sent to your payout address, usually within minutes.

Step 8: Repay and get your crypto back

When you are ready, repay the full repayment amount (principal plus interest). Once it is received, Secureshift returns your collateral to you. You can also make partial repayments to lower your LTV.

How Much Can You Borrow? LTV Examples

Loan-to-value is the share of your collateral's value that you receive as a loan. Here is what $10,000 of collateral gets you at each LTV level:

LTV	Loan on $10,000 collateral	Risk level
50%	$5,000	Low
65%	$6,500	Medium
80%	$8,000	High
90%	$9,000	Very high

Tip: If you are new to crypto loans, start at 50% LTV. It gives your collateral the biggest buffer against price drops.

How Much Will the Loan Cost?

At 15% APR, interest works out to roughly 1.25% of the loan amount per month. For example:

A $5,000 loan costs about $62.50 in interest per month.
Repay after 3 months and you pay about $187.50 in interest, plus the $5,000 principal.
Repay early and you pay less, because there is no prepayment penalty.

Actual figures depend on the rate and terms shown in the calculator when you take the loan.

Understanding Liquidation Risk

Your loan stays safe as long as your collateral is worth enough to cover it. If the price of your collateral falls sharply, your LTV rises. When it gets close to the liquidation threshold, Secureshift will notify you so you can act. If no action is taken, part of the collateral may be liquidated automatically to protect the outstanding balance.

To protect yourself:

Choose a lower LTV for volatile assets.
Watch the price of your collateral, especially during market sell-offs.
Add collateral or make a partial repayment if your LTV climbs.
Only borrow what you can comfortably repay.

Smart Ways to Use a Crypto Loan

Cover expenses without selling. Pay for a large purchase while your BTC stays invested.
Bridge short-term cash needs. A 30-day loan can cover a gap until income arrives.
Diversify. Borrow stablecoins and swap them into other assets on Secureshift's exchange.
Stay liquid in a bull market. Keep your long-term holdings while you take advantage of new opportunities.

Leverage strategies can increase losses as well as gains. Borrowing to buy more crypto is risky and is not suitable for everyone.

Crypto Loan vs Selling Your Crypto

	Crypto loan	Selling crypto
Keep ownership of your coins	Yes	No
Benefit if price rises	Yes	No
Ongoing cost	Interest	None
Risk if price falls	Liquidation at high LTV	None after sale
Possible taxable event	Usually not	Often yes

Frequently Asked Questions

Do I need a credit check to get a crypto loan on Secureshift?

No. Loans are fully backed by your crypto collateral, so there is no credit inquiry and no impact on your credit history.

How fast will I receive my loan?

The loan is sent to your payout address shortly after your collateral deposit is confirmed on the blockchain, usually within minutes.

Which coins can I receive?

You can receive USDT on networks such as Tron, Ethereum, BNB Smart Chain, Polygon, Solana, Arbitrum, Avalanche and TON, as well as USDC and other supported coins listed in the calculator.

Can I repay early?

Yes. You can repay any time with no prepayment penalty, and repaying early reduces the total interest you pay.

What happens if Bitcoin's price drops?

If your collateral value approaches the liquidation threshold, you will be notified. You can add collateral or repay part of the loan. Otherwise, part of your collateral may be liquidated.

Where is my collateral kept during the loan?

Secureshift holds collateral in cold storage wallets with multi-signature security for the duration of the loan, and returns it after full repayment.

Get Your Crypto Loan Today

A crypto loan is one of the easiest ways to unlock the value of your Bitcoin without giving it up. Pick a sensible LTV, keep an eye on your collateral and repay on your schedule. Ready to start? Calculate your crypto loan on Secureshift in less than a minute.

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This article is for educational purposes only and is not financial advice. Crypto prices are volatile, and borrowing against crypto carries the risk of liquidation.