Crypto Lending

Yes. Borrowers can secure loans in fiat or, in some cases, in cryptocurrency. Funds can be used for:

• Personal liquidity
• International investments
• Business expansion
• Reinvestment into crypto
• High-value purchases

Borrowers retain ownership of their crypto throughout the loan term as long as the agreement is maintained.

The borrowing amount depends on:

• The cryptocurrency used as collateral
• The lender’s risk appetite
• The volatility of the cryptocurrency
• The overall size of your portfolio

Typical loan-to-value ranges:

• 10–30% for highly volatile coins
• Up to 70% for stable, established assets like Bitcoin and Ethereum

Enness works with more than 500 lenders and will source the most competitive terms for your circumstances.

Interest is calculated based on the fiat value of your cryptocurrency at the point of agreement. Rates depend on:

• LTV
• The type of cryptocurrency
• Market conditions
• The selected lender

Interest may be paid in fiat or cryptocurrency, depending on lender requirements.

Yes. UK-based borrowers, including UAE residents investing in the UK, can borrow against crypto. Loans may be denominated in USD or other major currencies, with FX conversions available.

Benefits include:

• Retaining ownership of crypto assets
• Accessing liquidity without selling
• Funding property purchases, investments or wealth planning

Enness regularly brokers crypto lending for clients purchasing prime UK and European real estate.

Crypto-backed finance can be used for a broad range of purposes, including:

• Personal liquidity
• Property development or acquisition in the UAE, UK or Europe
• Investment in digital assets or securities
• Business expansion
• Portfolio diversification

This flexibility makes crypto lending an attractive option for internationally mobile investors.

Crypto lending offers several notable benefits:

• Fast access to liquidity without selling cryptocurrency
• Ability to retain long-term upside in crypto markets
• Tax-efficient strategies, avoiding capital gains from liquidation
• Useful for high-value international transactions, including UAE or UK property acquisitions
• Strategic leverage opportunities for business or investment growth

Many Enness clients prefer crypto lending over asset disposal because of the long-term investment outlook for digital currencies.

​​​

Challenges to be aware of include:

• Limited number of specialist lenders
• Higher rates compared to traditional lending due to volatility
• Lower LTVs, typically around 50%
• Potential margin calls if crypto values fall
• Market conditions can influence loan availability and pricing

Enness mitigates these challenges by identifying the most suitable lenders and negotiating terms on your behalf.

Mainstream banks are still cautious. While many recognise the importance of digital assets, regulatory limitations and operational structures make it difficult for most banks to offer crypto-secured lending.

Specialist lenders and boutique institutions currently lead the market, providing tailored high-value crypto loans that traditional banks cannot yet support.

Enness has direct access to every major lender active in the crypto finance space, including:

• Specialist crypto lenders
• Boutique private offices
• International niche lenders
• Institutions open to cross-border deployment

Many lenders operate privately or by introduction only. Enness ensures clients receive competitive terms and a smooth, discreet negotiation process.

Enness frequently partners with wealth advisers, lawyers, family offices and private banks to help their clients obtain high-value crypto lending.

Intermediaries benefit from:

• Access to specialist lenders
• White-labelled or collaborative support
• Fast structuring of complex, international transactions

Enness can work directly with the intermediary or on a white-label basis with the client.

Requirements vary by lender, but usually include:

• Sufficient cryptocurrency to serve as collateral
• Verification and compliance checks
• Defined borrowing goals and exit strategy
• Agreement on loan terms, including amount, duration and interest
• Receipt of funds upon approval
• Repayment according to agreed schedules

Enness assists throughout the entire process to ensure efficiency and clarity.