Lend & Borrow

Borrow against Bitcoin and Ethereum without interest, expiration, or risk of liquidation. Until the launch of THORChain's app layer, THORChain Lending is halted.

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Discover Lend & Borrow

Explore the features and benefits of this technology.

How does THORChain Lending work?

Deposit BTC or ETH into THORChain lending and receive debt at 50% Loan-To-Value. Your debt is always denominated in USD but can be received or repaid easily with any asset supported by THORChain. Pay back your debt and THORChain will send you back your collateral. THORChain deploys collateral in the liquidity pools, allowing the protocol to earn yield from swap fees. This provides users the opportunity to borrow without charging interest. THORChain's unique architecture unlocks the value of your assets without having to sell your coins or worry about liquidations.

THORChain Lending calculator

Calculate your Bitcoin and Ethereum loan for free with ShapeShift’s THORChain loan estimator. Loans have a minimum term of 30 days. All loans have: ‍ 💸 0% Interest 💧 No Liquidations 💀 No Expiration

Never liquidated

Borrow and Lend your crypto with ease & keep your loans for as long as you need. No interest. No liquidations. Ever.

Self-custodial

ShapeShift--the original multichain exchange--is the most private and decentralized way to interact with your Bitcoin, Ethereum, and more. Always your keys, always your crypto when you use ShapeShift.   Private. Decentralized. OnChain. Always.