KuCoin introduces Earn-and-Loan product enabling yield-earning collateral loans

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Kucoin unveils new crypto loan feature

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Yaroslav Dmytrenko

01.06.2026

KuCoin introduces Earn-and-Loan product enabling yield-earning collateral loans — Kucoin unveils new crypto loan feature

KuCoin announced the launch of an integrated Crypto Loan feature that allows users to use supported assets as collateral to access liquidity for new trades or expenses while continuing to earn yield on those assets.

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KuCoin has introduced an integrated Crypto Loan feature, also called Earn-and-Loan, which enables users to use select cryptocurrencies—including BTC, ETH, USDT, USDC, and SOL—as collateral for borrowing other supported assets. According to the official announcement, collateral assets can continue earning 'Hold to Earn' yield while they are pledged, with both the collateral and borrowed positions managed through a unified interface on the KuCoin App; a web version is planned to launch in 2026.

Interest rates on loans are dynamic and adjusted hourly based on supply and demand, with risk management using multi-level loan-to-value (LTV) thresholds that trigger alerts or potential liquidation if breached. The feature was launched in mid-2026, with the intent of providing increased capital efficiency by allowing users to access liquidity without giving up potential yield on their assets.

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How to participate

To use KuCoin's new Crypto Loan (Earn-and‑Loan) feature, ensure you have enabled "Hold to Earn" for your chosen asset before starting. Complete KYC verification if not already done on the KuCoin App, and navigate to the Crypto Loan page via the "More" section. Select supported collateral and borrowable assets, enter the desired amounts, and confirm your loan details—the funds will be credited directly to your Funding Account. For easy access, users can register via the official sign-up link.

KuCoin is a cryptocurrency exchange that supports trading in spots, margins, and futures, offering a variety of popular digital assets including Bitcoin and Ethereum. The platform provides web and mobile terminals equipped with basic analytics, charts, and indicators, and allows account funding and withdrawals via debit cards, cryptocurrencies, and electronic wallets. For more details on its features and trading conditions, view the broker profile on Traders Union.

For more on KuCoin’s recent developments, see our earlier news about KuCoin introducing Feed 3.0, which brought enhanced social trading capabilities and new creator rewards to the platform; read the previous KuCoin update on Traders Union.

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