Bitcoin Updates: Swiss Crypto Lending Offers 14% Returns Alongside Bank-Backed Insurance

With the crypto market facing ongoing turbulence and inflation worries, more investors are looking for ways to earn higher returns from their idle digital assets. Fulcrum, a Swiss-based platform, is stepping in with a fully insured crypto lending service, offering up to 14% annual percentage rate (APR) on stablecoins such as

and , as well as attractive rates for leading cryptocurrencies like (BTC) and (SOL), according to . Licensed by the Swiss Financial Market Supervisory Authority (FINMA) and supported by Y Combinator, Fulcrum seeks to overcome the drawbacks of conventional savings accounts while reducing the risks associated with crypto, as highlighted in .

Fulcrum’s approach relies on over-collateralized loans to generate profits, protecting customer deposits with a 50% loan-to-value (LTV) ratio. For example, a $1 million loan is backed by $2 million in collateral, which helps limit risk from market fluctuations. Additionally, all user deposits are insured by Lloyd’s of London—an uncommon feature among crypto yield services. “We maintain a rigorous regulatory and compliance structure, so you can trust us with your assets,” said Matthew Curtis, Fulcrum Lending’s CEO and founder. The company also partners with Fireworks, a reputable digital custodian, to safeguard assets and ensures that all payouts are fully reserved and never leveraged, according to the GlobeNewswire release.

Users can deposit

, ETH, , , USDC, or USDT and earn interest in the same currency, with flexible withdrawal options ranging from daily to every six months. Longer lock-in periods offer higher yields. Borrowers can obtain up to $1 million in USDT, secured by their crypto assets, without the need for credit checks. This dual system—earning on idle assets and borrowing against them—offers a fresh alternative to traditional banking, especially for those cautious about crypto’s volatility, as described in the GlobeNewswire release.

After six months of beta and alpha testing, Fulcrum’s launch aims to address the gaps left by other platforms. Standard savings accounts often fail to keep up with inflation, and many crypto savings products lack insurance or regulatory backing. “Our secure, over-collateralized loan book allows us to provide investors with a strong alternative to traditional savings accounts,” said Andrew Owen, Fulcrum’s chief revenue officer. The 14% APR on stablecoins is particularly appealing to cautious investors looking to protect their wealth from inflation.

While Fulcrum prioritizes safety and regulatory compliance, other companies are taking different paths. Bitget, for instance, has recently rolled out a zero-interest financing program for institutions to enhance altcoin liquidity, targeting market makers with customized financing, according to

. Still, Fulcrum’s focus on insured, over-collateralized lending sets it apart as a more secure choice for mainstream investors seeking reliable returns during market downturns.

As digital asset adoption accelerates, platforms like Fulcrum are transforming how people manage their crypto. By merging high returns with institutional-level security, they are creating a bridge between traditional finance and the decentralized world—helping users navigate uncertain markets while safeguarding their investments.