# CryptoLendingHub

> Independent analysis, reviews, and education for crypto lending, crypto-backed loans, and real-world-asset tokenization. Editorial comparisons of licensed US lenders, CeFi platforms, and DeFi protocols, with sourced licensing and custody data.

CryptoLendingHub is operated by Bill Rice Strategy Group (BRSG). Comparisons that feature a BRSG client are disclosed on-page and rank every lender by the same published criteria. See the methodology and affiliate/material-connection disclosures below.

## Flagship comparisons
- [Crypto Lender Safety Index (2026): Most Regulated Crypto Lenders Ranked](https://cryptolendinghub.com/blog/most-regulated-crypto-lenders): The Crypto Lender Safety Index — CryptoLendingHub's reproducible 0–5 score for how regulated and structurally safe a crypto lender is, across licensing (NMLS/state), jurisdiction, custody model, disclosures, rate transparency, and 2022 track record. Edition 2026.1 scores Figure, Arch, and Unchained (licensed US lenders) at 5.0; offshore CeFi and DeFi protocols score in the low-2s. Licensing and custody are weighted most heavily.
- [Best Crypto Lending Platforms (2026): Honest Reviews](https://cryptolendinghub.com/blog/best-crypto-lending-platforms-2026): The general "best platforms" comparison, ranked on rates and features (complements the regulation-focused comparison above).
- [US-Available Crypto Lending Platforms: What's Legal in Your State](https://cryptolendinghub.com/blog/us-crypto-lending-platforms-by-state): State-by-state availability of crypto lending.

## Borrow without selling: wealth & tax strategy
- [Crypto Loan vs SBLOC vs HELOC vs Margin (2026)](https://cryptolendinghub.com/blog/crypto-loan-vs-sbloc-vs-heloc-vs-margin): The four ways to raise cash against an appreciated asset without selling it — a crypto-backed loan, a securities-backed line of credit, a margin loan, and a HELOC — compared on collateral, loan-to-value, rate structure, tax treatment, and liquidation risk. Primary sources: FINRA, CFPB, IRS, SEC.
- [Buy, Borrow, Die for Crypto Holders](https://cryptolendinghub.com/blog/buy-borrow-die-crypto): How wealthy holders borrow against appreciated crypto instead of selling to defer capital-gains tax — the three legs (buy, borrow, and the §1014 step-up at death), how each does and doesn't map to crypto, and the honest downside.
- [Should You Sell or Borrow Against Your Crypto?](https://cryptolendinghub.com/blog/should-you-sell-or-borrow-crypto): A decision framework weighing the capital-gains tax of selling against the interest and liquidation risk of borrowing, with a break-even hold time.
- [What Is a Crypto SBLOC?](https://cryptolendinghub.com/blog/what-is-a-crypto-sbloc): Why there is no true securities-backed line of credit on directly-held crypto, and what the emerging "crypto SBLOC" marketing label actually means. Primary source: FINRA.
- [Borrow vs. Sell calculator](https://cryptolendinghub.com/tools/borrow-vs-sell): Estimate the capital-gains tax you defer by borrowing against crypto instead of selling, the interest cost, and the break-even hold time where selling becomes cheaper.

## Hubs
- [Platform reviews](https://cryptolendinghub.com/platforms): Individual lender/protocol review pages.
- [Head-to-head comparisons](https://cryptolendinghub.com/compare): Side-by-side lender comparisons.
- [Blog](https://cryptolendinghub.com/blog): All articles.
- [Guides](https://cryptolendinghub.com/guides): In-depth multi-section guides.
- [Statistics](https://cryptolendinghub.com/statistics): Live rates and market data with citations.
- [Glossary](https://cryptolendinghub.com/glossary): Crypto lending terminology.

## Datasets (free to cite, CC BY 4.0)
- [Crypto Lending Rates Dataset](https://cryptolendinghub.com/statistics): Borrow APR, lending APY, and maximum LTV for every tracked crypto lending platform and asset (BTC, ETH, USDC, USDT, DAI, YLDS) across DeFi and CeFi, one row per platform-asset pair. Updated hourly from DeFi Llama on-chain data and platform APIs. Machine-readable downloads: CSV — https://cryptolendinghub.com/api/dataset/crypto-lending-rates.csv ; JSON — https://cryptolendinghub.com/api/dataset/crypto-lending-rates.json

## Trust & methodology
- [Methodology](https://cryptolendinghub.com/methodology): How platforms are evaluated and ranked, including the regulation/licensing criteria.
- [Editorial policy](https://cryptolendinghub.com/editorial-policy): Editorial standards and independence.
- [Affiliate & material-connection disclosure](https://cryptolendinghub.com/affiliate-disclosure): Commission and client-relationship disclosures.