KuCoin Introduces Integrated Earn-and-Loan Product to Improve Capital Efficiency

KuCoin announced the launch of KuCoin Crypto Loan, an integrated product that combines earning and borrowing functions within a single position. The feature is now available to eligible users via the KuCoin app in supported jurisdictions, with web access expected at a later stage. The product enables users to pledge supported digital assets, including BTC, ETH, USDT, USDC and SOL, as collateral while continuing to earn Hold to Earn yields during the loan period. Users can borrow assets from the same supported pool and manage collateral, borrowing activity and associated risks through a unified interface. The release targets a common constraint among long-term crypto holders: accessing liquidity without selling assets or forgoing yield opportunities. By allowing pledged assets to remain yield-generating, the product is designed to support more efficient capital utilization while simplifying the borrowing process within a centralized platform. A central component of KuCoin Crypto Loan is its single-position structure. Rather than maintaining separate loan positions, users can consolidate multiple collateral assets and liabilities into one position, enabling more streamlined tracking of loan exposure, collateral levels and loan-to-value ratios. The platform applies dynamic, market-based interest rates that are updated hourly, with interest accrued on the same basis. Risk management is supported through a three-tier collateral ratio system, covering initial, warning and liquidation thresholds to provide clearer visibility into position health. The launch expands KuCoin’s suite of wealth products and reflects its broader focus on integrating functionality within a single user experience. By combining earning and borrowing features, the product allows users to access liquidity while maintaining exposure to their underlying assets. KuCoin Crypto Loan is currently available on the KuCoin app for eligible users. Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice