Don't sell.
Borrow.

Still bullish on the market but need liquidity? Borrow Euro against your Bitcoin & other cryptos and withdraw to your bank.

Background

Borrow up to 80% of your portfolio value, in cash

Instant access without credit checks and flexible repayment.Instant access without credit checks and flexible repayment.
Get EUR without triggering taxable events.Get EUR without triggering taxable events.
Your assets stay invested and earning daily interest.Your assets stay invested and earning daily interest.

Get cash in EUR. Keep your crypto.

What you can use as collateral

Your entire portfolio works as collateral, not just individual positions. Here's how much you can borrow against each asset:

BTC

BTC

Bitcoin
Up to 76%
ETH

ETH

Ethereum
Up to 75%
XRP

XRP

XRP
Up to 68%
Other assets

Other assets

10-80%

What you can borrow

Here are the annual interest rates for each currency:

EUR

12,49% APR

USD

16% APR

USDT

16% APR

Clear borrowing costs

Interest accrues only on what you borrow, for as long as you use it. No hidden fees.

Real-time monitoring

Track your LTV ratio and collateral health in your dashboard. Get alerts before liquidation thresholds.

Borrow for whatever you need.

#01

Investments

Buy stocks, gold, or more crypto without selling what you already have.

#02

Large purchases

Car, vacation, medical bills, home renovation.

#03

Day-to-day expenses

Cover rent, bills, or unexpected costs while keeping your crypto.

#04

Debt consolidation

Pay off credit cards or other loans at a lower rate.

Your cryptos never stop working.

Your collateral keeps earning daily interest while you borrow, lowering your real borrowing cost.

Highest earn rates on
major cryptos

Cryptos

Cryptos

USD Token
EUR Token
Bitcoin

Bitcoin

2.42%

Tether

Tether

3.04%

Ethereum

Ethereum

3.56%

Solana

Solana

4.08%

Excellent on Excellent on Trustpilot Trustpilot

Joseph CourtisJoseph CourtisJoseph CourtisJoseph CourtisJoseph Courtis

Been with Neverless for over a year…

Been with Neverless for over a year now. They’ve continued to add new features and improvements regularly.
I find it’s a really convenient way to try out crypto as well as having great returns on their standard investment account.
Happy customer here.

Joseph Courtis
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Best crypto app

I’ve been using Neverless for over a year now and it’s just the best trading app ever. No fees on hundreds of tokens, great interface, very reliable customer service and great community! And the passive earning is the cherry on the huge cake.

I love the fact Neverless team regularly polls their users to know what services they should develop next.
Can’t wait for the next UX improvements!

fOkOv
VinVinVinVinVin

Thoughtful Design, Real Trust

Neverless doesn’t try to be flashy, and that’s exactly why it works. The experience feels considered and balanced, from the language to the pacing of actions. Over time, that restraint turns into real trust.

Vin
$1bn+ cumulated
trading volume
Regulated in the
European Union