Crypto lending in 2026: From fixed-term loans to open-ended credit lines

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Crypto lending is shifting from fixed-term loans toward open-ended credit lines, giving borrowers more flexibility in accessing liquidity against digital assets. The model could make Bitcoin collateral more useful for ongoing financing, but also ties borrowing costs and liquidation exposure more closely to changing market conditions. Wider adoption will depend on transparent terms, reliable risk controls, and borrower protections.

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