Kraken introduces fixed-rate crypto loans for its Pro users

CoinTelegraph

by Nate Kostar

February 25, 2026

AI-Generated Deep Dive Summary

Kraken, a leading cryptocurrency exchange, has introduced its new Flexline product, offering fixed-rate crypto-backed loans tailored for Kraken Pro users. This innovative feature allows users to borrow against their digital assets without selling them, providing a flexible and secure way to access funds. The loans come with fixed annual percentage rates (APR) ranging from 10% to 25%, with terms available from two days up to two years. Borrowers can receive proceeds in crypto or stablecoins, which can be traded on the platform or withdrawn, subject to regional eligibility criteria. The launch of Flexline is designed to cater to a diverse range of users, including both beginners and institutional traders. While Kraken Pro is primarily aimed at advanced and institutional traders, the product itself is described as being “geared toward beginners and individual investors.” This dual-purpose design ensures that Flexline can accommodate different levels of expertise and investment strategies. The platform’s ability to offer loans without requiring the sale of digital assets makes it particularly appealing for users who wish to maintain their holdings while accessing liquidity. One of the key advantages of Flexline is its fixed-rate structure, which provides borrowers with predictable interest payments over the life of the loan. This stability contrasts with variable-rate loans, where interest rates can fluctuate based on market conditions. The product’s flexibility also extends to the repayment terms, allowing users to choose the duration that best suits their financial goals. Whether for short-term trading opportunities or long-term investment strategies, Flexline offers a customizable solution. For readers interested in cryptocurrency and blockchain technology, this development is significant because it addresses a common challenge faced by crypto investors: accessing liquidity without liquidating assets. By offering fixed-rate loans, Kraken aims to provide a more secure and predictable alternative to

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Originally published on CoinTelegraph on 2/25/2026