Crypto lending on CoinExchange.Cash
Borrow or lend cryptocurrency through peer-to-peer listings on /loans. Lenders post terms; borrowers pledge collateral according to each offer. CoinExchange.Cash provides the interface, reputation signals, and—on eligible routes—escrow tooling shown for that asset. Collateral, liquidation, interest, and verification rules vary by listing.
How P2P crypto lending works here
Lenders create loan offers specifying supported collateral assets, loan-to-value (LTV) bounds, interest, duration, and repayment expectations. Borrowers accept an offer or respond to open listings, then follow in-app steps to lock collateral and receive loan proceeds when the route supports it.
Unlike pooled DeFi lending vaults with algorithmic rates, these are bilateral agreements between users. Each loan carries counterparty risk even when escrow is available — verify the live escrow state, funding, and release rules on the loan page.
The loans browser filters by asset, LTV, and status. Account verification tiers and daily limits may apply before you can fund large positions. Check /verification and the limits displayed in the UI.
Collateral, LTV, and liquidation
LTV expresses how much is borrowed relative to collateral value. Offers show minimum and maximum LTV bands; breaching maintenance thresholds may trigger liquidation workflows described in help articles such as /help/ltv-monitoring.
Collateral assets must be supported on networks where escrow or custody mechanics are enabled. Not every token listed for spot trading can be pledged — confirm escrowSupported and chain details in the loan UI.
Interest accrues according to offer terms. Smart-contract, oracle, and implementation risks remain. This page does not quote live rates; open a listing for current numbers.
Escrow and disputes on loans
Where 2-of-3 multisig escrow applies to the selected asset, collateral may be locked until repayment or dispute resolution. The arbitrator role follows the same multisig model as P2P trades when enabled for that chain.
If parties disagree, use the dispute flow and upload evidence in chat. Arbitrators co-sign releases but cannot move funds alone — two of three signatures are still required on supported engines.
How to lend or borrow crypto P2P
- Open the loans marketplace — Visit /loans and filter by asset, LTV, or lender reputation.
- Read offer terms — Confirm collateral asset, interest, duration, escrow eligibility, and verification requirements.
- Fund collateral or principal — Follow wallet prompts to deposit to the address or escrow contract shown — never send to an unverified address.
- Monitor LTV — Watch price moves that affect collateral value; respond to margin calls if the offer requires it.
- Repay or release — Complete repayment to release collateral, or open a dispute if terms were not met.
Compared with centralized crypto lending desks
Centralized lenders often pool deposits and set uniform rates. CoinExchange.Cash P2P loans are negotiated per offer, which can improve fit for niche collateral but increases counterparty diligence work.
CeFi platforms may custody assets in corporate wallets. Eligible escrow here uses multisig addresses shown in the app rather than a single omnibus account for those routes — still subject to contract and key-management risk.
Regulatory licensing, insurance, and bankruptcy treatment differ by provider. Review /risk and product terms before lending savings you cannot lose.
Lending and borrowing risks
- Borrower default or delayed repayment.
- Collateral volatility and liquidation at unfavorable prices.
- Smart-contract or escrow implementation flaws on the selected chain.
- Oracle or price-feed errors affecting LTV calculations.
- Verification holds or jurisdiction blocks on either party.
FAQ
- Is every loan escrow-protected?
- No. Escrow applies only where the live route shows funded 2-of-3 multisig for the collateral asset and network.
- Do I need identity verification?
- Verification tiers vary by activity and risk. Higher limits may require additional checks.
- How is interest set?
- Lenders set terms in each offer. There is no single platform-wide APR on this page.
- What happens if collateral price drops?
- Offers may include maintenance LTV and liquidation steps. Read /help/ltv-monitoring for the current process.
- Can institutions use P2P lending?
- Large-value flows may face enhanced verification. Review /institutional-crypto-escrow for related escrow tooling.