TLDR
- Galaxy Digital launched a crypto-backed portfolio line of credit for eligible GalaxyOne clients
- Clients can borrow against Bitcoin, Ether, and Solana without selling their holdings
- The product charges 8.99% APR with no origination fee and offers instant USD or USDC funding
- Collateral is not rehypothecated, and the product is available in 40 U.S. states
- The offering competes with similar products from Coinbase, Ledn, and Nexo
Galaxy Digital has launched a new lending product that lets eligible GalaxyOne clients borrow cash against their crypto holdings without selling them.
Unlock liquidity. Keep your crypto.
GalaxyOne Crypto Portfolio Line of Credit is live.
Borrow against your combined $BTC, $ETH, and $SOL portfolio through a single line of credit.
No origination fee. 8.99% APR.*
Access tax-efficient liquidity without selling your crypto.** pic.twitter.com/UKQFfBXSxG
— GalaxyOne (@galaxyoneapp) August 25, 2026
The product is called the GalaxyOne Crypto Portfolio Line of Credit. It allows clients to use Bitcoin, Ether, and Solana, including staked SOL, as collateral through a single revolving credit line.
The goal is to give investors access to liquidity without triggering a taxable event from selling their assets.
How the Product Works
Eligible clients can borrow in USD or USDC through the credit line. The funding is described as instant.
The product carries no origination fee and has an annual percentage rate of 8.99%. Galaxy says it does not rehypothecate the collateral, meaning client assets are not lent out to third parties.
The product is currently available in 40 U.S. states.
What Galaxy Said
Zac Prince, managing director of GalaxyOne, said the product is built on Galaxy’s institutional infrastructure. He said it is designed to offer competitive rates, security, and flexibility.
Prince said the product is aimed at investors who want to stay invested in crypto while avoiding the costs and complications that come with selling digital assets.
Galaxy launched GalaxyOne in October 2025 as a unified platform offering crypto and stock trading to users across all U.S. states.
Earlier in 2026, Galaxy expanded its lending business with GOFR, a managed lending program for institutions, high-net-worth individuals, and accredited investors.
How It Compares to Competitors
Galaxy is entering a market that already has several established players.
Coinbase offers a similar crypto-backed borrowing product and advertises rates as low as 5%. Ledn has offered Bitcoin-backed loans in USD and USDC for several years. Nexo also allows users to combine multiple assets, including Bitcoin and Ether, as collateral for a credit line.
Galaxy’s 8.99% APR sits above Coinbase’s advertised starting rate, though exact rates can vary depending on the borrower and collateral.
The product is designed to compete on the strength of Galaxy’s institutional backing and the flexibility of combining multiple assets into one revolving line of credit.
Galaxy Digital shares rose 8.54% around the time of the announcement.
The launch reflects growing demand among retail crypto investors for ways to access liquidity without exiting their positions.
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