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Galaxy Digital (Nasdaq: GLXY) has broadened its offerings for individual investors by introducing a new borrowing facility on its GalaxyOne platform. The Crypto Portfolio Line of Credit enables qualifying users to secure cash loans using their holdings in Bitcoin, Ethereum, and Solana—including assets that remain staked—without the need to liquidate those positions.
This revolving credit arrangement pools eligible digital assets into a unified collateral base.
Rather than arranging separate facilities for each cryptocurrency, clients gain access to a single flexible line.
Borrowers can draw funds as needed for personal expenses, investments, tax payments, real estate, or other purposes while continuing to hold their crypto exposure.
Because the underlying assets are not sold, the approach generally supports more tax-efficient liquidity compared with outright disposal of holdings.
Key terms include the absence of any origination or upfront fee and an annual percentage rate of 8.99 percent.
Interest is charged only on amounts actually drawn, with payments structured on an interest-only monthly basis under an open-ended arrangement.
Approved draws are typically disbursed immediately in either U.S. dollars or USDC stablecoin.
Users may keep the proceeds within the GalaxyOne environment or withdraw them externally.
A notable feature is how it treats staked Solana.
Clients can pledge these tokens without first unstaking them, allowing the assets to continue generating applicable staking rewards even while serving as security for the credit line.
Galaxy has also confirmed that posted collateral is not rehypothecated, meaning the firm does not lend out or otherwise reuse the assets while they secure the facility.
The product relies on Galaxy’s established institutional-grade infrastructure rather than external decentralized protocols.
Initial availability covers eligible clients in 40 US states, with lines typically starting at a 50 percent loan-to-value ratio.
Collateral values are monitored on an ongoing basis, and the platform notifies users in advance if any adjustments become necessary.
Zac Prince, managing director of GalaxyOne, highlighted the launch’s significance: the firm is bringing a competitive crypto-backed borrowing option to its expanding retail audience by drawing on Galaxy’s institutional capabilities to deliver attractive rates, strong security, and practical flexibility.
The introduction builds on GalaxyOne’s earlier rollout in late 2025 as a unified application combining crypto and equity trading along with yield opportunities.
It also complements the company’s broader lending activities, which have previously focused more heavily on institutional and high-net-worth clients.
The facility aims to reduce friction for investors who prefer to stay invested in digital assets while accessing cash when opportunities or obligations arise. As the product rolls out, its adoption and performance may influence how other platforms approach similar retail lending services in the evolving digital asset landscape.
Source: www.crowdfundinsider.com