1st.finance
LOANS · BORROW USDT/USDC

Don't sell.
Borrow.

Lock crypto, xStocks or real-estate tokens. Borrow stablecoins against them. Keep your positions, keep the upside, and walk away with cash you can spend today.

Borrow nowUp to 90% LTV

Keep your positions.
Access the cash.

Selling triggers tax. Selling forfeits upside. A loan against your portfolio gives you liquidity now without either cost — and you repay on your own schedule.

What you can pledge

Three collateral types. One vault.

CRYPTO
70%
Max LTV

BTC, ETH, SOL, stables

Major liquid assets, instant valuation, instant borrow.

xSTOCKS
70%
Max LTV

Tokenized US equities

AAPLx, NVDAx, MSFTx and the rest of your xStocks book.

REAL ESTATE
90%
Max LTV

Property SPV tokens

Highest LTV on the platform — the building is the collateral.

The mechanic

Pledge. Borrow. Repay.

01

Pledge

Lock the assets you want to borrow against. They stay yours — they're just held as collateral on-chain.

02

Borrow

USDT or USDC, credited instantly. Withdraw to wallet, send out, or use on-platform.

03

Repay anytime

No fixed term. Repay all, repay part, top up collateral — your unlock is one click.

Collateral health dashboard
Transparent risk

You see the LTV. Always.

Live collateral ratio, liquidation buffer, and time-to-margin-call shown on every position. Top up or repay before anything happens. No hidden margin calls, no surprise liquidations.

Cash now. Upside kept.