Image credit: galaxy.com
- Galaxy launched a multi-asset crypto credit line on GalaxyOne letting eligible U.S. clients borrow against Bitcoin, Ethereum and Solana.
- The revolving facility features an 8.99% variable APR, no origination fee and a 50% initial loan-to-value ratio.
- The credit line is available to eligible clients in 40 U.S. states and leaves pledged assets unlent to third parties.
Galaxy has launched a multi-asset crypto credit line on GalaxyOne that lets eligible U.S. clients borrow against combined Bitcoin, Ethereum and Solana holdings. The revolving facility carries an 8.99% variable APR and has no origination fee.
Clients can also use eligible staked SOL as collateral without first unstaking it, while continuing to receive applicable staking rewards subject to the product’s terms.
One Credit Line Can Use Multiple Assets
The new Crypto Portfolio Line of Credit combines eligible BTC, ETH, and SOL collateral under one revolving facility. Galaxy said clients can use multiple eligible assets rather than arranging separate loans against individual positions.
The credit line uses an open-ended structure with interest-only monthly payments. The advertised 8.99% APR is variable and may change with 30 days’ notice. Rates can be lower in certain states.
Galaxy Sets Initial LTV at 50%
GalaxyOne sets the origination loan-to-value ratio at 50%. Collateral values are monitored continuously, and customers receive notifications before collateral action is required.
Crypto securing the loan remains exposed to price declines and liquidation risk. Galaxy said pledged assets are not rehypothecated and are not lent out to third parties while securing the credit line.
Customers can keep borrowed funds on GalaxyOne or withdraw proceeds in U.S. dollars or USDC. Funding is typically available immediately, although some draws may take one to two business days.
Product Available in 40 U.S. States
Galaxy said the credit line is available to eligible clients in 40 U.S. states, subject to approval. Consumer loans are provided by GalaxyOne Lending LLC. Zac Prince, managing director of GalaxyOne, said the product draws on Galaxy’s institutional lending infrastructure.
“By leveraging Galaxy’s institutional infrastructure, we are able to offer competitive rates, security, and flexibility with our new crypto portfolio line of credit product.”
GalaxyOne Adds Borrowing to Retail Platform
The credit line expands GalaxyOne’s existing mix of cash, crypto, and investment products. Galaxy launched the platform for individual investors in October 2025.
Galaxy has not disclosed a minimum or maximum line size. Approval and available credit depend on portfolio value, loan amount, market conditions and other lending factors.
