Don't sell.
Borrow.
Bullish on the market but need liquidity?
Borrow EUR without selling your BTC or other cryptos, and withdraw to your bank.
Borrow up to 80% of your portfolio value, in EUR
Instant access without credit checks. Repay any time.
Get liquidity without necessarily triggering taxable events.
Your assets stay invested and earning daily interest.Get cash. Keep your crypto.
What you can use as collateral
Your entire portfolio works as collateral, not just individual positions. Here's how much you can borrow against each asset:
BTC
Bitcoin
ETH
Ethereum
XRP
XRP
Other assets
What you can borrow
The interest rate of each borrowable asset:
EUR
12.49% APRUSD
15.77% APRUSDT
15.77% APRClear borrowing costs
Interest accrues only on what you borrow, for as long as you use it. No hidden fees.
Real-time monitoring
Track your loan-to-value ratio and collateral health in your dashboard. Get alerts before liquidation thresholds.
Borrow for whatever you need.
Investments
Buy stocks, gold, or more crypto without selling what you already have.
Large expenses
A new car, holidays, medical bills, home renovations.
Day-to-day
Cover rent, bills, or unexpected costs while keeping your crypto.
Debt consolidation
Pay off credit cards or other loans at a lower rate.
Your cryptos never stop working.
Your collateral keeps earning daily interest while you borrow, lowering your real borrowing cost.
Highest earn rates on
major cryptos
Bitcoin
2.42%
Tether
3.04%
Ethereum
3.56%
Solana
4.08%
Excellent on 
Trustpilot
See all reviewsBeen with Neverless for over a year…
Been with Neverless for over a year now. They’ve continued to add new features and improvements regularly.
I find it’s a really convenient way to try out crypto as well as having great returns on their standard investment account.
Happy customer here.
Best crypto app
I’ve been using Neverless for over a year now and it’s just the best trading app ever. No fees on hundreds of tokens, great interface, very reliable customer service and great community! And the passive earning is the cherry on the huge cake.
I love the fact Neverless team regularly polls their users to know what services they should develop next.
Can’t wait for the next UX improvements!
Thoughtful Design, Real Trust
Neverless doesn’t try to be flashy, and that’s exactly why it works. The experience feels considered and balanced, from the language to the pacing of actions. Over time, that restraint turns into real trust.
Almost perfect.
Almost perfect.
It will be perfect when we will be able to transfer all crypto on cold wallet.
Support is incredible. Respons even on sunday! Big bravo for that
Really good app
Best and cheapest app to invest in cryptocurrency. Clear, easy to use. I recommend this app 100% !
Allowing normal investors into arbitrage investing
Love the premise of letting normal investors get involved in arbitrage investing. About time ppl knew the secrets of the wealthy. Also great to have access to so many coins.
Help and support are great too and being an early member means they’re welcoming constructive feedback and constantly adding new features if you suggest things. Like regular investing and leverage and adding new currencies
This is very encouraging for the…
This is very encouraging for the future! Of course, there’s still plenty of room for growth and additional features, but the company is still young. So far, I’m genuinely impressed and haven’t been disappointed at all.
Best place to put your savings into…
Best place to put your savings into also providing the best crypto service - they are really reactive as well and listen to users' feedbacks - search no more!
Easy investment
I search for the way to invest easily some money.
The bank deposits are to small, big companies charging the fees and don't guarantee results.
Personal investments (like in stock) - huge risks and/or time spending.
With Neverless it was easy, transfer money into account and put into strategy. Using it(well, the money is just there - and I am doing nothing) for half a year, so far so good. The return is bigger than on bank deposit.
Great platform 100% worth joining
I joined neverless a few months ago and I find them very very good they have excellent customer service there communication skills are excellent the app is easy to use and they give what they promise. Good earnings to be made plus no fees on buying selling exchanging who could ask for more there better than Nexo by miles and Nexo are good but Neverless is on another level for sure.
Neverless's support is excellent
Neverless's support is excellent; I made a mistake with the deposits and they resolved it in less than an hour. Very happy.
trading volume
European Union