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TL;DR

• Kraken Flexline is a fixed-rate, crypto-secured term loan offered directly by Kraken that allows clients to borrow against their crypto holdings without selling them. Loan terms range from 2 days to 2 years at fixed rates of 10–25% APR, with funds usable on Kraken Pro for trading or withdrawable off-platform (subject to limits). It supports multi-asset crypto collateral and is designed for traders, long-term holders, and crypto-native businesses seeking predictable liquidity.

• Kraken Flexline is distinct from both margin trading and DeFi lending. Unlike margin trading — which is variable-rate and optimized for short-term, high-frequency speculation — Flexline offers fixed rates, defined repayment schedules, and the ability to deploy capital beyond a single trading position. Unlike DeFi protocols, it carries no smart contract risk, no governance uncertainty, and no on-chain liquidation triggers; all custody, risk management, and liquidation controls are operated directly by Kraken under transparent, client-facing terms.

• The core value proposition of Kraken Flexline is liquidity without forced selling, delivered with full transparency. Clients can unlock capital from existing crypto holdings to fund trading activity, cover expenses, or support business operations — all while maintaining their long-term positions. Borrowers always know who holds their collateral, how their loan is priced, and when liquidation thresholds apply, making Flexline a trust-first alternative to opaque lending structures common elsewhere in the crypto industry.

What is Kraken Flexline?

We’re excited to announce Kraken Flexline, a crypto-secured loan that allows clients to borrow against their crypto holdings at fixed rates without complicated DeFi protocols or opaque lending structures. It’s a simple idea, executed the Kraken way: transparent and built for long-term trust.