CoinLoan
CoinLoan is a Tallinn-based crypto lending and earning platform founded in 2017, serving 250K+ retail and corporate clients with interest accounts (up to 9.2% p.a.), crypto-backed loans (from 5.5% APR), a 200+ pair exchange, and insured wallet custody under European and FinCEN regulatory oversight.
- Company typePrivate
- Founded2017
- HeadquartersTallinn, Estonia
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What CoinLoan does
CoinLoan is a Tallinn, Estonia-based crypto lending and earning platform founded in August 2017, self-described as one of the oldest crypto lending providers. The platform serves both retail crypto users and corporate/institutional clients with a unified product suite comprising an Earn Interest Account (Fixed Account offering up to 9.2% p.a. and Flexible Account offering up to 6.2% APY), Crypto-Backed Loans (from 5.5% APR, up to 70% LTV, instant approval with no credit checks), a Crypto Exchange with 200+ trading pairs, and a multi-asset Wallet supporting 25+ assets. Underlying technology relies on Ethereum-based ERC-20 tokenization for the native CLT utility token, multi-signature cold storage, TOTP 2FA, and a Secure Software Development Life Cycle. Custody is delivered through FireBlocks and BitGo with $250M Lloyd's insurance coverage, AML monitoring is provided by Elliptic, KYC by Sumsub, and penetration testing by Blaze Information Security.
The platform operates as a regulated financial institution holding a European Financial License and FinCEN MSB Registration, compliant with GDPR, AML/KYC, and the Cryptocurrency Security Standard (CCSS), with SOC 2 Type 1 and ISO 27001 certifications in progress. Revenue is generated primarily through loan interest spreads and a 1% origination fee (discounted 50% when paid in CLT), with the exchange positioned as a zero-commission retention tool. Distribution is hybrid: self-serve web and native iOS/Android apps with localized interfaces (Korean, Portuguese) drive retail PLG, while corporate clients access services via dedicated onboarding, API integration, OTC desk, and personal manager support. The CLT token ecosystem — including staking bonuses, a four-tier Loyalty Program (launched December 2021), fee discounts, and collateral utility — underpins retention. CoinLoan reports 250K+ registered customers, a 4.2/5 Trustpilot rating across 300+ reviews, and a 60+ team headquartered in Tallinn with remote-first engineering.
CoinLoan firmographics
Firmographics- Name
- CoinLoan
- Legal name
- CoinLoan Group of Companies
- Website
- https://coinloan.io
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- CoinLoan is a Tallinn-based crypto lending and earning platform founded in 2017, serving 250K+ retail and corporate clients with interest accounts (up to 9.2% p.a.), crypto-backed loans (from 5.5% APR), a 200+ pair exchange, and insured wallet custody under European and FinCEN regulatory oversight.
- Ownership category
- akta.pro rank
CoinLoan industry classification
Industry- Product category
- Crypto Lending Platform
- NAICS
- Depository Credit Intermediation (5221), Credit Card Issuing (52221)
- SIC
- Personal Credit Institutions (6141), Finance Services (6199), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Crypto-Backed Consumer Loans (Secured) (FSADAFAG)
- akta.pro secondary industries
- Institutional / OTC Crypto Credit & Bilateral Lending (FSADAFAD), Crypto Borrowing & Margin Credit Facilities (FSADAFAC)
Keywords
Where CoinLoan is headquartered
LocationHeadquarters
- HQ city
- Tallinn
- HQ country
- Estonia
- HQ region
- Europe
Offices1 record
Markets served
CoinLoan business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Loan Interest Spread: CoinLoan earns revenue by lending user collateral to borrowers at rates higher than what depositors earn. Instant Loans from user deposits are the main profit source, with origination fees and interest rate spreads generating returns.
- Loan Origination Fees: 1% origination fee charged when borrowers take loans, with 50% discount when paid with CLT token.
- Exchange Services: Platform offers 200+ currency pairs for crypto-to-crypto, crypto-to-fiat, and stablecoin-to-fiat exchanges with no exchange commissions or network fees mentioned.
- CLT Token Utilities: Native token used for fee discounts (50% on loan origination), collateral for loans, staking bonuses on Fixed Accounts, exchange pairs, and Loyalty Program tier benefits.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Fixed Account - Up to 9.2% p.a. with CLT staking bonus up to +1% |
| Subscription | Monthly | Flexible Account - Up to 6.2% APY |
| Usage-based | Pay-as-you-go | Crypto-backed Loans - From 5.5% APR |
| Freemium | Pay-as-you-go | Crypto Exchange - No commissions |
| Subscription | Monthly | Corporate Earn - Up to 6% p.a. crypto, 9.2% p.a. stablecoins |
| Usage-based | Pay-as-you-go | Corporate Loans - From 5.5% APR crypto, 5.95% stablecoins/fiat |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels7 records
CoinLoan product offering
Product offeringCore offering
CoinLoan is a regulated cryptocurrency lending and earning platform launched in 2018 by parent entity established in August 2017 in Tallinn, Estonia. It enables users to deposit crypto, stablecoins, and fiat to earn interest via Fixed or Flexible accounts (up to 9.2% p.a.), to take instant crypto-backed loans from 5.5% APR with up to 70% LTV, and to exchange 200+ trading pairs through an in-platform exchange. Assets are custodied via FireBlocks/BitGo with $250M Lloyd's insurance, and the platform also issues the native CLT ERC-20 utility token for fee discounts, staking bonuses, and loyalty benefits.
Product overview
CoinLoan is a crypto lending and earning platform offering a unified ecosystem of financial products. The core platform comprises four main services: Earn Interest Account (with Fixed and Flexible account options), Crypto-Backed Loans (instant collateralized borrowing), Crypto Exchange (200+ trading pairs), and Wallet (secure asset storage with $250M insurance). The native CoinLoan Token (CLT) powers the platform with staking bonuses, fee discounts, and collateral options. Additional offerings include Corporate Accounts for institutional clients with API integration, an OTC Desk for large trades, a Referral Program for partner earnings, and a Loyalty Program with tiered benefits.
Differentiator
Problem solved
Functional benefit
Brands
- CLT (CoinLoan Token): Native utility asset based on the Ethereum blockchain (ERC-20 format) used for paying fees, securing loans, and staking to boost interest rates.
Products and services
- Earn Interest Account Savings product enabling users to earn interest on deposited cryptocurrencies, stablecoins, and fiat via Fixed-term accounts (1–12 months, up to 9.2% p.a.) or Flexible accounts (up to 6.2% APY, no lock-up). Available to retail and corporate clients via web and mobile apps with a $100 minimum deposit.
- Crypto-Backed Loans Instant collateralized loans allowing users to borrow fiat, stablecoins, or other crypto against their crypto holdings; from 5.5% APR, up to 70% LTV, 1% origination fee, no credit checks or paperwork, no early-repayment penalties, and instant automated approval.
- Crypto Exchange On-platform exchange for buying, selling, and swapping cryptocurrencies, stablecoins, and fiat currencies across 200+ pairs, with no exchange commissions or network fees, instant execution, and limits from $50 up to $10 million.
- Wallet Digital asset storage wallet supporting 25+ cryptocurrencies, stablecoins, and fiat currencies (EUR, GBP), with wire-transfer support, multiple blockchain integrations, free withdrawals secured by address book, account statements, and custody via FireBlocks/BitGo with $250M Lloyd's-backed insurance.
- CoinLoan Token (CLT) Native utility token on the Ethereum blockchain used to pay fees (50% origination-fee discount on loans), collateralize loans, earn staking bonuses on Fixed Accounts, and qualify for Loyalty Program tiers; listed on Bittrex Global, HitBTC, and Uniswap.
- Corporate Account Institutional tier of the platform providing corporate clients with high-yield interest accounts (up to 6% p.a. crypto, 9.2% p.a. stablecoins), corporate loans (from 5.5% APR for crypto, 5.95% for stablecoins/fiat), OTC desk, and API integration with dedicated personal managers and custom terms.
- OTC Desk Over-the-counter trading desk allowing corporate clients to execute large-volume crypto trades across 200+ pairs with best execution, no market slippage, and personalized 1-on-1 service.
Quantifiable outcome
- 250K+ registered customers with 4.2/5 Trustpilot rating (300+ reviews)
- +3 more outcomes
Companies that use CoinLoan
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles2 records
CoinLoan technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature8 records
CoinLoan partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- Blaze Information SecuritycorePartnership with international cybersecurity company for penetration testing and advanced protection. Blaze helps monitor exposure to threats and manages/mitigates risks. CoinLoan's security experts perform internal audits while Blaze provides third-party penetration testing.
- EllipticcoreLong-standing partnership with leading crypto compliance solutions provider. Elliptic monitors crypto addresses for outbound transactions for AML purposes and to avoid transfers to scammy addresses. Enhances proactive approach to risk management.
- FireBlockscoreDigital assets custody provider with bank-grade security infrastructure. CoinLoan stores clients' assets using FireBlocks platform for secure custody and management.
- BitGocoreCustodian partner with $250 million insurance coverage from Lloyd's. Assets stored in cold, multi-signature wallets through BitGo platform.
- SumsubcoreKYC/identity verification partner for corporate onboarding processes. Used for verifying corporate accounts and identity verification workflows.
- Bittrex GlobalminorThird-party cryptocurrency exchange where CLT token is listed for trading alongside crypto, stablecoins, and fiat pairs.
- HitBTCminorThird-party cryptocurrency exchange where CLT token is listed for trading alongside crypto, stablecoins, and fiat pairs.
- UniswapminorDecentralized exchange (DEX) where CLT token is listed for trading via Ethereum-based swaps.
Scale indicators12 records
Recent moves6 records
Expansion highlights6 records
CoinLoan competitors and assessment
Company assessmentDirect peers
- Nexo: Direct CeFi crypto lending competitor offering crypto-backed loans, interest-bearing Earn accounts, and an exchange. Both target retail and institutional clients with comparable yields and similar regulated positioning.
- YouHodler: CeFi crypto lending and earn platform competing head-to-head with CoinLoan on LTV ratios, interest rates, and instant loan approval for retail and SMB crypto holders.
- Ledn: CeFi Bitcoin-focused lending and savings platform offering crypto-backed loans and yield accounts. Comparable retail-and-institutional GTM and product structure to CoinLoan with a narrower asset focus.
Broad incumbents
- Crypto.com: Much larger incumbent offering crypto earn products, loans, exchange, and card programs with significant marketing scale. Overlaps with CoinLoan on Earn and Loan products but bundles a far broader consumer ecosystem.
- Binance: Largest global crypto exchange with Binance Earn (Simple Earn / Flexible / Locked) and crypto loan products directly competing with CoinLoan's yield and lending offerings.
- Bitfinex: Established crypto exchange with integrated funding/lending markets and margin trading. Larger incumbent offering comparable borrowing and earning products to professional and institutional clients.
Emerging players
- Aave: Largest decentralized lending protocol. Competes with CoinLoan on core crypto lending and yield generation but operates permissionlessly without KYC, insurance, or fiat ramps — addressing the same customer need via DeFi rails.
- Compound: Pioneer DeFi money market protocol offering algorithmic variable-rate lending and borrowing. Overlaps with CoinLoan's earn/loan core but operates fully on-chain without centralized custody.
- MakerDAO: Decentralized credit platform issuing the DAI stablecoin against crypto collateral via collateralized debt positions. Direct DeFi analogue to CoinLoan's crypto-backed lending, serving borrowers seeking liquidity without selling crypto.
Others
- Elliptic: Blockchain analytics and AML compliance partner already integrated into CoinLoan's stack. Adjacent ecosystem participant enabling CoinLoan's compliance posture rather than a direct competitor.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
CoinLoan social profiles
Digital presenceCoinLoan compliance and trust
Trust signalCompliance6 records
CoinLoan financial estimates
Financial estimateRevenue estimate
Valuation estimate
CoinLoan leadership team
Management profileNumber of profiles
Profiles3 records
CoinLoan funding detail
Funding detailFunding overview
Funding rounds2 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CoinLoan M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CoinLoan
What does CoinLoan do?
CoinLoan is a regulated cryptocurrency lending and earning platform launched in 2018 by parent entity established in August 2017 in Tallinn, Estonia. It enables users to deposit crypto, stablecoins, and fiat to earn interest via Fixed or Flexible accounts (up to 9.2% p.a.), to take instant crypto-backed loans from 5.5% APR with up to 70% LTV, and to exchange 200+ trading pairs through an in-platform exchange. Assets are custodied via FireBlocks/BitGo with $250M Lloyd's insurance, and the platform also issues the native CLT ERC-20 utility token for fee discounts, staking bonuses, and loyalty benefits.
Is CoinLoan a public or private company?
CoinLoan is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was CoinLoan founded?
CoinLoan was founded in 2017. It employs 51 to 100 people.
Where is CoinLoan based?
CoinLoan is headquartered in Tallinn, Estonia, in the Europe region.
How does CoinLoan make money?
Four revenue lines are on record. Loan Interest Spread is the primary driver. The others are loan Origination Fees, exchange Services and CLT Token Utilities.
Who are CoinLoan's main competitors?
Direct peers on record are Nexo, YouHodler and Ledn. Broad incumbents are Crypto.com, Binance and Bitfinex. Emerging players are Aave, Compound and MakerDAO. Elliptic is listed as an others.
Does CoinLoan have an API?
No public API is recorded for CoinLoan.
What industry is CoinLoan in?
CoinLoan's product category is Crypto Lending Platform. Its primary akta.pro industry code is FSADAFAG, Crypto-Backed Consumer Loans (Secured), with a secondary code of FSADAFAD, Institutional / OTC Crypto Credit & Bilateral Lending. Its NAICS code is 5221 and its SIC code is 6141.