Cel token is now available on

Earn, Borrow & Pay on the Blockchain

Celsius Network lets you earn interest on your crypto and instantly borrow against it. No fees ever. 

BitGo wallets are covered by $100m Lloyd’s Insurance

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Due to local and international laws and regulations, some Celsius Network app features are currently unavailable to users based on residency and physical location.

No Celsius Network features are available to users in (or who reside in) Cuba, North Korea, Sudan, Syria, Iran, Lebanon and other territories identified as involving high compliance risks. Celsius services are not intended to be used by users in (or who reside in) Japan, New Zealand, Israel and any other jurisdiction which may limit or forbid the use of our services.

CelPay is unavailable to users in (or who reside in) Alabama, Arkansas, Connecticut, Florida, Georgia, Hawaii, Iowa, Kentucky, Maine, Massachusetts, Mississippi, New Mexico, New York, North Carolina, Ohio, Oregon, South Carolina, South Dakota, Vermont, Washington, West Virginia.

Interest Earning is unavailable to users in (or who reside in) New York and Washington. Earn Interest on Stablecoins is unavailable to users in Texas. Borrow Dollars is unavailable to users in (or who reside in) California, Delaware, Georgia, Indiana, Maryland, Mississippi, Missouri, Montana, Nevada, New York, Ohio, Rhode Island, South Dakota, Tennessee, Vermont, Washington.

USD Loans have some restrictions to users in Alabama, Arizona, Arkansas, Iowa, Kentucky, Michigan, Minnesota, New Mexico, North Dakota, Pennsylvania, Utah. For more information about these restrictions, please email app@celsius.network.

Regulatory Disclosure

$4.25B

In loan origination

$400M

Assets

53k+

Active Wallets

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Cash Loans

Borrow dollars while they still exist at the lowest interest rates on the market. Cash and stablecoin loans start at 3.47%*

Learn More

Earn Crypto

Celsius Network shares up to 80% of its revenues with the Celsius community in the form of weekly interest payments. All users earn up to 10%*.

Learn More
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CelPay

Instantly send Bitcoin and other cryptocurrencies like never before – no wallet required

Learn More

Celsius Network was founded on the belief that we can do well after we do good for our community. Users pay the lowest interest on loans while feeling good that up to 80% of Celsius’ revenues are shared with our depositors, not our shareholders.

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Have your crypto and earn it, too

Earn up to 10% interest on deposits.

* Earn in CEL
* The "Buy Crypto" buttons are provided by third parties, and your use of their service may be governed by their own terms and conditions of use and privacy policies. Not available in all areas.

CEL Token

CEL

4.00%

Bitcoin

BTC

3.75%

4.88%

Ethereum

ETH

3.40%

4.42%

Litecoin

LTC

4.05%

5.27%

Ripple

XRP

3.00%

3.90%

OmiseGO

OMG

3.55%

4.62%

Bitcoin Cash

BCH

3.75%

4.88%

Ox

ZRX

4.35%

5.66%

Bitcoin Gold

BTG

6.15%

8.00%

ZCash

ZEC

4.10%

5.33%

Stellar

XLM

3.00%

3.90%

DASH

DASH

6.25%

8.13%

TrueUSD

TUSD

8.20%

10.66%

Gemini Dollar

GUSD

8.20%

10.66%

Paxos

PAX

8.20%

10.66%

USD coin

USDC

8.20%

10.66%

MakerDAO's DAI

DAI

5.85%

7.61%

Orbs

ORBS

4.25%

5.53%

Tether

USDT ERC20

8.20%

10.66%

True Great Britain Pound

TGBP

5.00%

6.50%

True Australian Dollar

TAUD

5.00%

6.50%

True Canadian Dollar

TCAD

5.00%

6.50%

True Hong Kong Dollar

THKD

5.00%

6.50%

EOS

EOS

4.40%

5.72%

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Need a Loan?

Calculate your loan using the amount you want to borrow or the amount of crypto collateral you have.

Select your collateral type

BTC
ETH
BCH
XRP
LTC
DASH

Minimum loan amount $1,500

BTC

LTV (Loan to Value)

25%
33%
50%

Loan Term

6 Months
1 Year
2 Years
3 Years

Interest Rates

Pay interest with CEL

By chosing to repay your loan in CEL token, you can recieve up to a 30% discount on your interest repayment.

4%

APR%

$10

Per Month

$300

Total

Pay interest with Fiat

4%

APR%

$10

Per Month

$300

Total

Go with what’s in your best interest.

% back
to community

80% of revenue direct to user in the form of interest

30% of net profit
for NEXO holders via "dividend"

0%

20% of profit
for BNB Holders via token burn

0%

0%

USD - Interest Earned
* on 500k Stable coin

9.75%

8%

8.6%

Rates vary by lockup period and lot size

0.01%

0.03%

BTC - Interest Earned
* on 50 BTC
in the last year

4.73%

0%

2.84%

Rates vary by lockup period and lot size

0%

0%

ETH - Interest Earned
* on 500 ETH
in the last year

4.02%

0%

1.62%

Rates vary by lockup period and lot size

0%

0%

Dollar Loan Rates
* for $10,000 USD

4.95%

24.90%

11.25%
with 2% Fees

Binance does not offer

25.99%

25.24%

Who keeps
platform profits

Depositors

Nexo

Blockfi & Investors

Binance

Bank shareholders

Bank shareholders

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No withdrawal fees.
No early termination fees.
No default fees.
#FeeFree

Charging fees is so 2008. We’re not here to take your money, we’re here to make you money.

People love us!

I <3 Celsius because nothing makes me happier than to see my money make money.”

David B.

I admit it, I bought 3 BMX bikes that are now adult size with CEL interest in the last 3 month. I really wanted those bikes in the 80s. Sue me.

Mark F.

In the press

Top 10 New Blockchain Companies To Watch For In 2018

Link to read article

This serial entrepreneur wants to disrupt peer-to-peer lending, using blockchain

Link to read article

Our Offices

London

35 Great St Helen’s,
London UK EC3A 6AP

New Jersey

221 River Street,
9th Floor
Suite 9129
Hoboken NJ 07030

Tel Aviv

HaYarkon St 73,
Tel Aviv-Yafo
Israel 63432

New York

43 W 23rd Street,
2nd Floor, New York
NY 10010

hello@celsius.network

UK: +44 2033 185636
US: +1 201 824 2888

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