Verified against coinrabbit.io on 6 Sep 2026. Terms change; confirm before borrowing.
How CoinRabbit works
CoinRabbit is a centralized lender offering quick, no-credit-check loans against native bitcoin. You can take an open-ended loan (no fixed term, repay any time) or a fixed 30-day loan at a lower rate, from as little as $100 up into the millions for Private Clients. Funds are issued in stablecoins or fiat shortly after you deposit collateral.
Rates & fees
Rates start from 11.95% APR for bitcoin (interest accrues monthly, roughly 1%/month), with the broader range running higher across other assets and LTV choices. There are no origination, admin, or early-repayment fees — you pay only network/withdrawal costs. Private Clients ($500k+) can negotiate custom rates.
LTV & liquidation
CoinRabbit advertises a very high max LTV, up to 90%, with the margin-call and liquidation level effectively set per loan by the LTV you choose rather than a single fixed threshold. We show a conservative 70% max / ~80% liquidation as a representative, sensible configuration. Borrowing near 90% LTV leaves almost no buffer and can liquidate on a small dip — treat the high-LTV option with caution.
Custody & safety — why we rate CoinRabbit Medium relative risk
Source: CoinRabbit loan & custody terms ↗
CoinRabbit holds collateral in custodial cold storage with multisig access and claims it does not lend out (rehypothecate) collateral. We rate it Medium because it's a smaller, less-audited operator than our LOW-rated names (no bank charter or published proof-of-reserves), and because the very high LTV option raises operational and liquidation risk. None of that means it's unsafe — but do your due diligence. See the risk methodology.
What a $10,000 CoinRabbit loan costs
Accessible and fast for small loans; the cheapest rates and strongest custody are elsewhere. Figures illustrative.
Pros & cons
Strengths
- Very low $100 minimum; fast, no credit check
- No origination/admin/early-repayment fees
- Flexible: open-ended or 30-day terms
- Optional high LTV (up to 90%) if you want it
Trade-offs
- Higher rates (from ~11.95%)
- Smaller, less-audited operator
- No bank charter or published proof-of-reserves
- High-LTV option carries real liquidation risk
Who CoinRabbit is best for
CoinRabbit suits borrowers who want a small, fast, flexible loan and value convenience over the lowest rate or the strongest custody. For larger or safety-first borrowing, Ledn, Strike, or Xapo Bank are better fits. Compare all in the table.
FAQ
What is CoinRabbit's interest rate?
From about 11.95% APR for bitcoin (interest accrues monthly), with no origination, admin, or early-repayment fees — only network costs.
What LTV does CoinRabbit offer?
Up to 90%, with the liquidation point effectively set per loan by your chosen LTV. We show a conservative 70%/~80% as a sensible representative.
Is my Bitcoin lent out at CoinRabbit?
CoinRabbit holds collateral in custodial cold storage with multisig access and states it does not rehypothecate. It's not a bank or qualified custodian.
Is CoinRabbit safe?
It's functional and convenient but a smaller, less-audited operator without proof-of-reserves, and high-LTV loans add risk. We rate it MED.
See CoinRabbit next to every other lender
Live rates, LTV, liquidation thresholds, custody, and minimums for every lender we track in one verified table.
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