Introducing Credit
Borrow USDC against your crypto holdings for real-world expenses — without selling, without stopping your yield.
Credit lets you — or your users — borrow USDC against crypto holdings. No selling. No stopping yield. No credit checks. Try it in Studio, or add it to your platform with one API call.
The problem
You hold crypto. You need cash. Today, the only option is to sell — closing your position, giving up future upside, and stopping whatever yield you were earning.
What Credit does
Borrow USDC against your crypto. Your collateral stays in place and keeps earning yield while you borrow against it.
- Borrow rate: 3.5% APR
- Collateral yield (eg. ETH): 2%
- Net cost: 1.5%
- Repayment: on-chain, anytime, no schedule
Your portfolio doesn't move. Your yield doesn't stop. You get the liquidity you need without unwinding anything.
How it works
- Connect your wallet
- Select your collateral
- Choose how much USDC to borrow
- Your collateral stays in place, keeps earning yield
- Repay whenever you want — on-chain, no schedule
Non-custodial
Your crypto stays in your account. We never hold your funds.
For platforms
Credit is available on the same SDK you'd use for yield.
If your platform already offers yield through Compass, adding credit is one more API call. Your users go from "earn on my crypto" to "earn and borrow without selling." You earn fees on both.
No new infrastructure. No lending stack to build. No liquidation engine to maintain.
Available now
Credit supports borrowing against crypto on Ethereum, Base, and Arbitrum. More collateral types and chains are coming.