Galaxy Introduces Crypto Portfolio Line of Credit on GalaxyOne
Investors can borrow against BTC, ETH and Staked SOL through a single line of credit with no origination fee and an 8.99% APR*
Galaxy today announced the launch of the GalaxyOne Crypto Portfolio Line of Credit (PLOC), a new borrowing product designed to give eligible GalaxyOne clients seamless access to cash without selling their crypto. Eligible clients can borrow against their BTC, ETH, and SOL holdings – including staked SOL – through a single revolving line of credit without selling those assets, enabling tax efficient liquidity.
GalaxyOne's Crypto Portfolio Line of Credit is designed for investors who want to remain invested in crypto while avoiding the burden and hurdles that come with selling digital assets. By collateralizing eligible assets in a single line rather than a separate loan for each asset, clients can access greater borrowing power from the portfolio they already hold. Pledged collateral is not rehypothecated, and funds can be used for tax obligations, a real estate purchase, home improvements, a major life expense, or an investment opportunity.
"We’re excited to bring a competitive crypto-backed borrowing product to market via our growing retail platform,” said Zac Prince, Managing Director of GalaxyOne. “By leveraging Galaxy’s institutional infrastructure, we are able to offer competitive rates, security and flexibility with our new crypto portfolio line of credit product.”
The Crypto Portfolio Line of Credit launches with a set of features designed to give investors flexible, low-cost access to liquidity, including:
Single Line Across Eligible Assets: Borrow against combined BTC, ETH, and SOL through one revolving line of credit. Staked SOL can be used as collateral without unstaking, so clients continue earning applicable staking rewards.*
No Origination Fee and 8.99% APR**: Many crypto lenders charge an origination fee at drawdown. The GalaxyOne line has none, with an open-term revolving structure and interest-only monthly payments.**
Non-Rehypothecated, Secure, and Backed by Institutional Infrastructure: The line is supported by Galaxy’s institutional platform, not an external DeFi protocol. Pledged collateral is not rehypothecated, and therefore not lent out or reused while it backs your line. Tax forms are delivered annually to keep filing straightforward.***
Rapid Funding: Funding is typically available instantly once a line is open.**** Clients can use funds on the GalaxyOne platform or withdraw as USD or USDC.
Transparent Terms: Lines are available to eligible clients in 40 U.S. states*****, with an origination loan-to-value ratio of 50%. Collateral values are monitored continuously, and GalaxyOne notifies clients before any collateral action is required.
The Crypto Portfolio Line of Credit is part of GalaxyOne, Galaxy's broader platform providing access to regulated financial products and investments across traditional and digital asset markets for individuals and small businesses.
Eligible users can sign up for GalaxyOne, or log into an existing account, to see how much they can borrow here: www.galaxy.app.
*Staking rewards are not guaranteed and may vary. Staking involves risks, including potential loss due to slashing or other protocol-related events. See the GalaxyOne staking disclosures for additional information
**Variable annual percentage rate (APR) subject to change with 30-day notice. APR in select states may be lower.
***This information is provided for general informational purposes only and should not be construed as tax or legal advice. Consult your own tax, legal, and financial advisors regarding your individual circumstances.
****In rare cases where instant funding is unavailable, your draw will be funded within 1 to 2 business days.
*****Currently unavailable to clients in CA, DE, ID, IN, MN, MS, MO, NV, SD
Important Disclosures: Consumer lending products are offered by GalaxyOne Lending LLC (NMLS ID: 2741667). Not all applicants may be eligible or approved. All loans are subject to market conditions, portfolio value, loan amount, and other factors. Any examples of how loan proceeds may be used are for illustrative purposes only. Any rates or payment examples shown are for illustrative purposes only, are not guaranteed, and do not constitute an approval, pre-approval, or commitment to enter into a loan. Collateral remains subject to market fluctuations and liquidation risk. Borrowing is generally not a taxable event. Consult your tax advisor.
Brokerage, digital asset, and other investment services are offered separately by GalaxyOne Holdings LLC and its partners.
About Galaxy
Galaxy Digital Inc. (Nasdaq: GLXY) is a global leader in digital assets and data center infrastructure, growing the economy that runs on code. Galaxy delivers the onchain infrastructure that connects institutions to digital assets, including trading, advisory, asset management, staking, self-custody, and tokenization. Galaxy also develops and operates data center infrastructure to power AI and HPC workloads. Anchored by its Helios campus in Texas, Galaxy is building a multi-gigawatt pipeline of more than 5.7 GW of potential capacity, positioning it among the largest and fastest-growing data center developers in North America. The Company is headquartered in New York City, with offices across North America, Europe, the Middle East, and Asia. Additional information about Galaxy's businesses and products is available on www.galaxy.com.
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Media Relations Contact: Michael Wursthorn - [email protected]
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