In the US, companies have begun issuing loans secured by cryptocurrencies
US institutions use the Ledn platform to approve loans secured by Bitcoin and Ethereum (ETH). The loans are issued at a maximum annual interest rate of 13.4%. This is quite low, because for loans taken out in the US using credit cards, the rate reaches 28.4%.

In the first half of 2024, Ledn clients received loans secured by digital assets worth $1.2 billion. The vast majority of loans were issued by financial institutions, earning up to 10% per annum on this.