Fulcrum Unveils Insured Crypto Lending Platform with Competitive Returns
Fulcrum Launches Insured Crypto Lending Service
Fulcrum Lending has unveiled its new platform designed for those seeking higher returns on major cryptocurrencies like BTC, ETH, BNB, and SOL, as well as stablecoins such as USDC and USDT. With potential annual returns reaching 14%, the platform is fully insured, licensed by FINMA, and pays interest in the deposited crypto, offering a secure and high-yield alternative to conventional savings accounts. The platform, previously in beta and alpha testing, is now fully operational.
An Inflation-Beating Solution
Traditional savings accounts often fail to keep up with inflation, leading to diminished value over time. While crypto accounts can yield higher returns, they usually lack insurance. Fulcrum provides a solution that combines the high returns of crypto with full insurance and regulatory compliance, enabling investors to outpace inflation securely.
"Fulcrum is dedicated to empowering investors with innovative financial solutions," said Matthew Curtis, CEO and Founder of Fulcrum Lending. "Our platform offers a high-yield alternative to traditional savings with full insurance and regulatory backing."
Platform Highlights
- Up to 12% APR on BTC and ETH, 13% on SOL and BNB
- Up to 14% APR on USDT and USDC
- 16% APR borrowing rate on USDT
- Stable rates, unaffected by market fluctuations
- Lloyd’s of London insures user deposits
- Licensed by Swiss financial authority FINMA
- Supported by YCombinator
- Assets stored by Fireworks, a trusted custodian
- Flexible withdrawal options
Fulcrum's returns are derived from over-collateralized lending, offering a lower-risk profile by eschewing high-risk trading strategies. Deposits fund secured loans, and crypto payouts are held in full reserve.
"Our secure, over-collateralized loan book offers a compelling alternative to traditional savings accounts," said Andrew Owen, CRO of Fulcrum. "We maintain a 50% loan-to-value ratio, ensuring robust collateralization."
Interest and Borrowing Features
The platform accepts crypto deposits like BTC, ETH, SOL, and BNB, along with stablecoins USDC and USDT. Investors receive monthly interest payouts in their chosen crypto, with withdrawal options after varying lock-in periods. Borrowers can access loans up to $1 million using crypto as collateral, with immediate funding in USDT.
Platform Accessibility
Fulcrum is now available for individuals and corporate investors seeking a secure, high-yield alternative to traditional financial products.
About Fulcrum Lending
Founded in 2025 and headquartered in Switzerland, Fulcrum Lending is a pioneer in fully insured crypto-backed lending, committed to providing innovative financial products that enhance consumer wealth and financial control. For more information, visit https://fulcrumlend.com