With crypto adoption at an all-time high, more investors are turning to crypto-backed loans to unlock liquidity without selling their assets.

As global crypto adoption accelerates, investors are increasingly seeking ways to access liquidity without selling their assets. Crypto-backed loans have surged in popularity, allowing crypto owners to use their crypto holdings as collateral to borrow funds. This approach enables investors to retain ownership of their crypto and avoid taxable events like selling while accessing liquidity for new investments, business expenses, major purchases, and more.

To service the demand for crypto loans, an entire industry has emerged. Today, there are a variety of crypto loan platform offerings, each with different models, rates, and value propositions, complicating the decision process for many prospective borrowers. To simplify choosing the best crypto lending platform, here are the five top options for 2025.

1. Rocko

Rocko is a simple-to-use, crypto-loan marketplace that aggregates the best rates and protocols across DeFi, offering a one-stop solution for securing competitive crypto-backed loans. Users can compare interest rates and easily borrow from top DeFi protocols like Aave and Morpho. Rocko’s design is simple to use for crypto users of all levels, ensuring anyone can get a loan in minutes and immediately receive the funds to their preferred exchange account.

Rocko also offers helpful loan management tools such as alerts to monitor collateral value and a refinancing tool which allows borrowers to refinance their loan in one click. Rocko supports many major cryptos as collateral including Bitcoin, Ethereum, Solana, and more. 

Pros:

• Compare and access a variety of competitive interest rates.
• Non-custodial platform so borrowers keep control of their crypto.
• Compatible with any Ethereum wallet and accounts at centralized exchanges like Coinbase.
• No monthly minimum payments and no required repayment date.

Cons:

• No fixed-rate loan options.
• Few tools for implementing highly levered strategies. 

2. Aave

Aave is one of the earliest DeFi lending protocols and remains one of the most established with many years of being battle tested. Aave allows for the supply and borrowing of a variety of crypto assets across many Ethereum-based networks. The protocol’s flexibility and significant depth of liquidity make it a popular platform for those with more technical familiarity and DeFi experience. 

Pros:

• Fully decentralized and open-source.
• Broad asset and network support.
• Features like flash loans and efficiency-mode borrowing. 

Cons:

• Difficult to use for less experienced users.
• Interest rates can fluctuate wildly.

3. Unchained

Unchained focuses solely on Bitcoin financial services including Bitcoin-backed loans. While it’s a centralized lending platform, its multi-key structure sets it apart, requiring multiple parties to authorize any movement of collateral. This collaborative custody model appeals to those prioritizing control and transparency over BTC loan arrangements.

Pros:

• Bitcoin-collateralized loans without rehypothecation.
• 2-of-3 multisig model can increase security.
• Collaborative custody for added transparency.

Cons:

• No support for other crypto besides Bitcoin.
• Primarily tailored to institutional clients.
• Interest rates can be high relative to decentralized options.

4. Ledn

Ledn is a crypto financial services firm that offers loans against Bitcoin and Ethereum using a third–party custodian, BitGo. Borrowers can choose whether their collateral is rehypothecated, which can reduce the interest rate they pay.

Ledn is one of the first centralized crypto companies to complete a Proof-of-Reserves attestation which can provide some assurance to potential users. They also offer a Bitcoin-loan product that automatically purchases more Bitcoin with the proceeds, which may be appealing to Bitcoin owners looking to increase their exposure.

Pros:

• Choice over rehypothecation of collateral.
• Completed Proof-of-Reserves attestation.
• Loan product that automatically purchases more Bitcoin.

Cons:

• Interest rates can be high relative to decentralized options.
• High admin fees.

5. Nexo

Nexo offers a broad custodial lending platform supporting a wide range of crypto assets. Loans are typically approved quickly, with no credit checks, appealing to those seeking immediate access to fiat or stablecoin liquidity. The platform emphasizes convenience but with the tradeoff of custodial trust and rehypothecation risk. 

Pros:

• Fast approval process.
• No credit score required.
• Wide selection of supported crypto assets.

Cons:

• Collateral may be rehypothecated, increasing risk for borrowers.
• Service not available in certain jurisdictions such as the U.S.

Conclusion

While the crypto lending landscape is constantly evolving, these five crypto loan platforms top the list for the best crypto loan platforms of 2025. Each offers a different model and value proposition to borrowers and we encourage prospective users to research the options themselves and choose what makes most sense for them. Whether borrowers want a simple-to-use platform with access to many competitive rates, such as Rocko, or a centralized option with multi-sig institutional custody, such as Unchained, there’s an option for everyone. 

BTC Bull Token and Solaxy are gaining traction, but Pepeto may offer even bigger opportunities for investors.

BTC Bull Token (BTCBULL) and Solaxy (SOLX) are quickly establishing themselves as standout projects. BTC Bull Token fuses Bitcoin passion with memecoin appeal, rewarding early supporters with Bitcoin airdrops triggered by major price milestones — already pulling in over $5 million. 

Meanwhile, Solaxy, priced at $0.001704, is setting a new standard as the first Solana Layer 2 solution, aiming to solve congestion issues and scale the network more efficiently, with a solid $31.5 million backing it. Both projects offer exciting opportunities, but Pepeto is preparing to deliver even more impressive value for investors seeking serious upside.

Pepeto prepares for launch with major utility, and story power

While BTC Bull Token and Solaxy continue building strong momentum, Pepeto is emerging as the real hidden gem of this presale cycle. Currently available at only $0.000000124, Pepeto offers a prime early-stage opportunity ahead of its official exchange listing.

Pepeto clearly distinguishes itself from typical memecoins by building far more than just hype — it is creating a complete, functional crypto ecosystem.
At its core, Pepeto is focused on solving real blockchain challenges through practical solutions that extend beyond the meme culture appeal. 

Among the standout developments are the soon-to-launch Pepeto Exchange, offering a streamlined platform for token trading; the zero-fee PepetoSwap, designed to make transactions more efficient and accessible; and a unique cross-chain bridge that aims to revolutionize blockchain interoperability by allowing smooth asset transfers across different networks.

This combination of humor, strong community engagement, and serious technical infrastructure gives Pepeto a unique position in the market.
As the presale phase moves toward its final stages and buzz continues to grow across crypto communities, Pepeto is quickly establishing itself as one of the most highly anticipated and promising launches on the horizon — blending narrative strength with true, lasting utility for users and investors alike.

How to buy PEPETO

Pepeto’s presale closes soon before exchange launch. Investors still have a window to grab PEPETO tokens at the presale price of $0.000000124 through the official site, pepeto.io, with payments accepted in USDT, ETH, BNB, or by credit/debit card.

With frequent updates rolling out on exchange listings and the PepetoSwap development moving forward, early participants are set to enjoy exclusive staking rewards and ecosystem benefits. As launch day approaches, Pepeto is fast becoming one of the most anticipated meme coin projects of the year.

For more information about Pepeto, visit the website, Telegram and X.

Disclosure: This content is provided by a third party. crypto.news does not endorse any product mentioned on this page. Users must do their own research before taking any actions related to the company.

April 25, 2025 – Bangkok, Thailand

Saison Capital, BRI Ventures and Coinvestasi have officially launched Tokenize Indonesia, a new accelerator program aimed at identifying and supporting RWA (real-world asset) startups in the blockchain and tokenization space.

The initiative seeks to drive innovation and adoption of tokenized assets in Indonesia, building on findings from the November 2024 report, ‘Project Wira – Indonesia’s Asset Tokenization Opportunity,’ which estimates an $88 billion market potential for asset tokenization in the country.

Tokenize Indonesia will run from April to August 2025, and shortlisted startups will run POCs (proof of concepts) with leading corporations across Indonesia, including financial institutions like Bank Rakyat Indonesia (BRI) and telecommunication providers like Telkom Indonesia.

The program culminates in August when shortlisted startups will be showcased at Asia’s largest crypto festival, Coinfest Asia, on August 21-22, 2025, in Bali.

The launch announcement for Tokenize Indonesia was made at ONCHAIN 2025 – an annual conference led by Saison Capital, D3 Labs, Helix and Emurgo – which brings together leading investors, founders and leaders in the RWA industry across both traditional finance and fintech.

This year over 500 people attended the event in Bangkok.

Qin En Looi, partner at Saison Capital, said,

“At Saison Capital, we believe that blockchain technology and its widespread benefits are foundational in shaping the future of inclusive finance, transforming existing financial systems and creating more equity for all.

“Despite the current market volatility, we remain active investors in blockchain startups solving real-world finance problems.

“It is crucial that we rally key partners to drive greater support for founders to solve existing challenges faced by corporations and are glad to have found like-minded partners such as BRI Ventures and Coinvestasi.”

Markus Liman Rahardja, chief investment officer at BRI Ventures, said,

“As the venture arm of one of Indonesia’s leading financial groups, BRI Ventures is committed to continuously exploring and investing in transformative technologies that will shape the future of finance in Indonesia.

“Our goal is to foster meaningful collaboration between well-established financial institutions and innovative, fast-moving technology partners.

“By bridging these two worlds, we aim to catalyze sustainable growth, drive financial inclusion and accelerate the adoption of digital assets across Indonesia.

Steven Suhadi, founder of Coinvestasi, said,

“With over 20 million crypto users, Indonesia now ranks third globally in Web 3.0 adoption – clear evidence of a thriving ecosystem.

“We are witnessing rapid growth in developer talent, institutional engagement and regulatory clarity, all laying the foundation for long-term progress.

“At Coinvestasi, our role is to connect the ecosystem – fostering dialogue, sharing insights and enabling partnerships that drive the industry forward.”

Indonesia’s blockchain and tokenization ecosystem is evolving rapidly, supported by a tech-savvy demographic, an expanding middle class, a growing fintech sector and increasing adoption of digital payment infrastructure.

These factors are contributing to the foundational environment for blockchain-based innovations to emerge and scale.

Project Wira – a report developed by BRI Ventures, Saison Capital, D3 Labs and Tiger Research – highlights blockchain’s potential to transform Indonesia’s financial ecosystem.

Seven percent of Indonesia’s population own digital assets, far surpassing the 6.4 million stock investors on the Indonesia Stock Exchange (IDX), with more potential for greater adoption to come.

Innovations have already been sprouting up in the areas of digital money, commodities, bonds, carbon credits and real estate.

The report estimates that demand for asset tokenization in Indonesia could reach $88 billion by 2030.

For RWA startups interested in capturing the immense opportunity in Indonesia, users can apply to Tokenize Indonesia here.

About Saison Capital

Saison Capital is an early-stage venture capital fund (pre-seed to Series B) with a focus on emerging markets.

The firm backs ambitious founders at the pre-seed or seed stage and focuses on Web 3.0, fintech and commerce.

Operating from the Asia Pacific region but deploying capital on a global scale, Saison Capital harnesses Credit Saison’s extensive financial services operating background and resources across key markets, including Singapore, Indonesia, India, Vietnam, Thailand, Philippines, Cambodia, Japan, Brazil and Mexico.

Saison Capital is a wholly-owned subsidiary of Credit Saison.

About BRI Ventures

BRI Ventures is the corporate venture capital arm of Bank Rakyat Indonesia (BRI), Indonesia’s largest and most inclusive bank.

With a mission to drive innovation and financial inclusion, BRI Ventures invests in early to growth-stage startups that are reshaping the future of financial services, MSME empowerment and the digital economy.

Backed by BRI’s deep expertise in financial services and extensive reach, BRI Ventures provides not just capital but also strategic support, market access and collaborative opportunities to help visionary founders scale their impact across Indonesia and beyond.

About Coinvestasi

Coinvestasi is Indonesia’s top Web 3.0 and crypto media platforms, reaching over four million users monthly.

As part of Indonesia Crypto Network (ICN) – the parent company behind major initiatives like Coinfest Asia – Coinvestasi connects global projects with local audiences and drives Web 3.0 adoption across the ecosystem.

Contact

Looi Qin En, Saison Capital

Andrew Cheong, Saison International