Clapp Finance Unveils Multi-Collateral Crypto Credit Lines

Quick Breakdown 

• Clapp Finance introduced multi-collateral crypto credit lines offering instant, pre-approved liquidity.
• Users can combine, swap, or remove up to 19 cryptocurrencies without closing their credit line.
• The product supports multiple credit lines, flexible repayment, and 24/7 withdrawals in cash or stablecoins.

Clapp Finance has introduced a new multi-collateral credit line product that gives crypto holders instant access to liquidity without selling their assets. The launch, announced in Prague, comes as centralized crypto lending volumes continue to climb, with more investors seeking flexible ways to unlock capital while maintaining exposure to digital assets .

You chose crypto because you believe in financial freedom and control over your own assets. Crypto Credit Lines gives you the flexibility to borrow on your terms, access liquidity when you actually need it, and maintain control over your financial decisions. pic.twitter.com/RCJruHvomJ

— CllayBaba (@Cllaytus) November 19, 2025

A New model for crypto-backed borrowing

The platform allows users to combine up to 19 cryptocurrencies as collateral for one or multiple credit lines. Unlike traditional crypto-backed loans, the system supports real-time collateral management: users can add, remove, or swap assets at any time without closing their existing credit line or interrupting access to funds.

Clapp positions this as a shift away from rigid lending structures that dominated earlier CeFi cycles. The company says its design mirrors how modern traders manage portfolios, dynamic, mobile, and optimized for continuous liquidity. Credit lines deliver instant, pre-approved capital in either EUR via SEPA or stablecoins such as USDT and USDC.

The model uses a pay-as-you-use structure, meaning borrowers only incur interest on capital actually withdrawn. Repayments are fully flexible, with no fixed schedule or lock-in periods.

Integrated tools for real-time portfolio control

Clapp’s credit lines are embedded into a broader platform that includes an integrated wallet, exchange, and portfolio dashboard. The company says this unified environment is intended to streamline how users monitor collateral values, adjust asset mixes, and initiate drawdowns around the clock.

CEO Ilya Stadnik said the market has outgrown single-asset collateral systems, pointing to rising user demand for a more adaptive form of CeFi lending. The company plans future updates that could allow users to repay loans using their collateral directly, further blending traditional finance mechanics with real-time crypto operations.

In a related development, Ripple has emerged as a key financial supporter of Gemini’s planned Nasdaq listing. According to an SEC filing, Ripple has extended a $75 million credit line to the exchange, with the option to scale the facility up to $150 million. 

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