Don't sell.
Borrow.

Bullish on the market but need liquidity?
lending-hero-subtitle-2-new

Borrow up to 80% of your portfolio value, in cash

Borrow up to 80% of your portfolio value, in cash

Instant access without credit checks. Repay any time.Instant access without credit
checks and flexible repayment.
Get liquidity without necessarily triggering taxable events.Get EUR without triggering
taxable events.
Your assets stay invested and earning daily interest.Your assets stay invested and
earn daily interest.

Get cash. Keep your assets.

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:

Metals

Gold, Silver
Up to 80%

Stablecoins

USDC, USDT
Up to 80%

Crypto

BTC, ETH, SOL, and 800+ more
Up to 76%

Stocks

NVDA, AAPL, SPCX, and 1,000+ more
Up to 66%

ETFs

SPY, QQQ, DRAM, and 400+ more
Up to 66%

What you can borrow

Here are the annual interest rates for each currency:

EUR

12.49% APR

USD

16% APR

USDT

16% APR

Clear 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.

#01

Investments

Buy stocks, gold, or more crypto without selling what you already have.

#02

Large expenses

A new car, holidays, medical bills, home renovations.

#03

Day-to-day

Cover rent, bills, or unexpected costs while keeping your crypto.

#04

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

Bitcoin

2,42%

Ethereum

Ethereum

3,56%

Solana

Solana

4,08%

Excellent onExcellent on TrustpilotTrustpilot

Joseph C.Joseph C.Joseph C.Joseph C.Joseph C.

Been 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.

Joseph C.
fOkOvfOkOvfOkOvfOkOvfOkOv

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!

fOkOv
VinVinVinVinVin

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.

Vin
ArmelleArmelleArmelleArmelleArmelle

Almost perfect.

Almost perfect.

It will be perfect when we will be able to transfer all crypto on cold wallet.

Support is incredible. Responds even on sunday! Big bravo for that

Armelle
Yoann R.Yoann R.Yoann R.Yoann R.Yoann R.

Really good app

Best and cheapest app to invest in cryptocurrency. Clear, easy to use. I recommend this app 100% !

Yoann R.
BobBobBobBobBob

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

Bob
Antoine GAntoine GAntoine GAntoine GAntoine G

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.

Antoine G
RKORKORKORKORKO

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!

RKO
VladVladVladVladVlad

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.

Vlad
alanalanalanalanalan

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.

alan
Jack D.Jack D.Jack D.Jack D.Jack D.

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.

Jack D.
$10bn+ cumulated
trading volume
Regulated in the
European Union