Crypto lending in 2026: From fixed-term loans to open-ended credit lines

Borrowing against Bitcoin is nothing new. Over the past decade, this market has moved away from fixed-term loans and toward open-ended credit lines, and the way holders reach cash has shifted with it. Here are the basics of lending and savvy borrowing. Crypto lending allows holders to access fiat or stablecoins without selling their Bitcoin or other digital assets, preserving their exposure to potential price gains. Unlike fixed term loans, crypto credit lines have no set maturity date and allow borrowers to access funds repeatedly as they repay outstanding balances.

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