Borrow against your crypto, without selling it

Fixed-rate, crypto-secured loans on Kraken Pro to unlock liquidity for trading or withdrawal.1

See your borrowing power

Kraken Flexline is an unregulated product offered by Payward Trading Ltd. Using Kraken Flexline involves risk, may have tax implications, and may result in the loss of capital.

Flexline is a fixed-rate, crypto-secured loan that lets you borrow at 10–25% APR for terms from 2 days to 2 years, with funds available to trade or withdraw.

Flexline calculate

Why choose Flexline

Liquidity without selling
Access cash or stablecoins without triggering a sale of your crypto assets.
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Control your risk
Customize your loan term, rate, and risk level based on your needs.
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Lower-cost leverage

Borrow at fixed rates that are often lower than traditional margin trading, without giving up your long term positions.

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How Flexline works
Step 1

Select your available crypto as collateral.

Step 1
Step 2

Choose loan currency and term.

Step 2
Step 3

Receive funds instantly to trade or withdraw.

Step 3
Check borrowing power

Transparent pricing

Your rate, interest, and fees are shown before you confirm. Early repayment is available, with any fees displayed upfront.

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Withdraw off-platform

Use borrowed funds beyond Kraken Pro, including withdrawals to external wallets or accounts, depending on your region.

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FAQs

Most major cryptocurrencies supported by Kraken Pro can be used as collateral, subject to eligibility and risk parameters.

Yes. Depending on your region, you can withdraw borrowed funds off platform or use them directly for trading, provided you maintain your maintenance margin requirement.

Your collateral is only at risk if your loan falls below required maintenance levels or reaches maturity without repayment.

Yes. You can repay your loan early at any time using your account balance. An early repayment fee applies.

No. Flexline is a fixed rate term loan with customizable terms and off platform withdrawal support, unlike margin trading which is variable rate and trading only.

1Availability of Flexline is subject to regional eligibility and regulatory restrictions. Terms and features may vary by jurisdiction


Kraken Flexline is an unregulated product offered by Payward Trading Ltd. Using Kraken Flexline involves risk, may have tax implications, and may result in the loss of capital. Borrowed assets subject to withdrawal limits. Availability of Kraken Flexline is subject to certain limitations and eligibility criteria. See full terms at www.kraken.com/legal.

Built into Kraken Pro

Access Flexline on Kraken Pro for desktop or mobile. Scan to get started.

Check borrowing power
Kraken Pro App