Personal Lending

Crypto Bridge

Guide open

Borrow against crypto you hold — without selling it.

Understand every financial product. Share your data only when you choose.See how it applies to you

Illustration is open. Matching waits for a signed, state-eligible lender.

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Interactive illustration

See the runway before the risk.

Model a price move, your entered lender points, and two ways to restore your target. Nothing here is a quote or recommendation.

Browser only · no wallet connection

01 · Your assumptionsEnter each assumption.No live price or lender term is supplied by DuckWater.
Your entered lender points

Copy these from the terms you are evaluating.

now · after stress

Current illustrative LTV

Enter quantity, reference price and debt to begin.

Collateral value
Stressed price
Stressed LTV
Entered warning pointEnter the warning LTV above.
Entered liquidation pointEnter the liquidation LTV above.
After your selected price moveTwo mechanical restoration paths
Add collateralAt the stressed price you selected.
Reduce debtBefore execution costs or lender mechanics.

This is arithmetic on your inputs. Actual triggers, cure windows, accrued amounts, fees and liquidation mechanics come only from the lender documents you are evaluating.

Method and research sources

Public lender and protocol education informed the trigger-price and restoration views. These organizations are research sources, not DuckWater partners, and none of their terms are imported here.

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DuckWater educational illustration · generated from visitor-entered assumptions · no lender decision or quote

Selling to fund a project is a taxable event; licensed lenders will lend against your holdings instead. The Bridge shows every one for your state — custody and re-lending answered on each, in the lender's own words — and keeps you private until you choose.

Four steps, one question each

  1. Where. State law and each lender's own list decide availability — you learn in seconds.

  2. Verify — optional. Your wallet signs one message. We keep a range and a fingerprint — never your address, never an exact number.

  3. Every lender. A to Z — never ordered by what anyone pays us.

  4. Continue. The lender gets your email and nothing else — then verifies your identity, decides, and funds.

Signing is not sending

Your wallet signs

Proves you control the wallet. Moves nothing, costs nothing. All we ever ask.

Your wallet sends

A transaction — later, on the lender's site, to their named custodian. Never happens here.

The mechanism, drawn out

Two answers on every card

  • Coins held by — the named custodian. A name, not “a vault”.
  • Can they lend them out — whether pledged coins can leave the vault while you owe.

Won't state both in writing? Not listed. Every figure on a card is the lender's, dated and linked. DuckWater states no rate, no payment, and no amount you could borrow.

Private until you choose a lender

Private until you choose a lender; the lender verifies your identity as federal law requires. Every disclosure is a signed receipt you can verify without asking us.

Who decides

The licensed crypto lender you choose. They verify your identity as federal law requires, decide, price and fund; your collateral goes to them or their named custodian, never to DuckWater.

Digital assets are volatile: if collateral falls, a lender can require more or sell what you pledged — potentially at a loss, potentially a tax event. Some lenders re-lend pledged collateral; the Bridge says which. DuckWater never lends, holds assets or keys, moves value, or offers yield.