Fulcrum Launches Fully Insured Crypto Lending Platform With 14% APR on USDT
Switzerland-based Fulcrum Lending officially launched its fully insured crypto lending platform on November 4, 2025. The platform targets investors seeking higher returns on major cryptocurrencies and stablecoins. Fulcrum offers annual percentage rates of 14% on USDT deposits, 13% on Solana, and 12% on Bitcoin. The platform emerged from six months of alpha and beta testing phases.
The FINMA-licensed platform distinguishes itself by offering full insurance coverage for customer deposits. Traditional savings accounts struggle to match inflation rates, often eroding purchasing power over time. Many crypto savings products offer higher returns but lack insurance protection against common cryptocurrency risks. Fulcrum addresses this gap by combining competitive yields with comprehensive deposit protection.
Crypto Lending Platform Features Over-Collateralized Loan Structure
The platform generates returns exclusively from lending activity through over-collateralized loans rather than high-risk trading strategies. This approach creates a lower risk profile for investors, customer deposits fund secured loans rather than volatile trading ventures. The platform maintains a strict 50% loan-to-value ratio across all lending operations.
Andrew Owen, Chief Revenue Officer at Fulcrum, explains that for every one Bitcoin worth of credit extended, the platform receives two Bitcoin as collateral. This conservative approach protects depositor funds. Fulcrum guarantees that crypto payouts remain in full reserve and never face leveraged exposure. The automated system provides instant funding in USDT for borrowers.
USDT Lending Platform Supports Multiple Cryptocurrencies and Stablecoins
The platform accepts deposits in Bitcoin, Ethereum, Solana, BNB, and the stablecoins USDC and USDT. Investors can earn interest on idle digital assets across these supported cryptocurrencies. Fulcrum has partnered with Lloyd’s of London for comprehensive insurance of user deposits. Fireworks serves as the custodian of customer assets, providing qualified custody services.
Users can access borrowing power up to $1 million using crypto assets as collateral within 24 hours. The platform requires no credit history checks for loan approval. Borrowers can maintain their cryptocurrency holdings while accessing liquidity. This structure allows investors to avoid taxable events while their coins appreciate.
APR Crypto Platform Emerges as Alternative to Traditional Finance
Fulcrum sets itself apart from the crypto lenders that collapsed during the 2022 market downturn by focusing on lending. The platform avoids the high-risk trading strategies that contributed to previous industry failures. Users can borrow USDT at a 16% annual interest rate using their cryptocurrency holdings as collateral. Both individual and corporate investors can access the platform’s services.
The platform aims to provide investors with greater financial control and flexibility. Founded in 2025 and headquartered in Switzerland, Fulcrum Lending positions itself as a pioneer in fully insured crypto-backed lending. The company’s mission focuses on building accessible crypto financial products. These tools help consumers generate long-term wealth through cryptocurrency holdings.
Conclusion
The launch of Fulcrum’s crypto lending platform represents a significant development in digital asset financial services. The combination of competitive annual percentage rates, full insurance coverage, and regulatory licensing addresses key concerns in the lending sector. The platform’s conservative over-collateralization strategy and insurance partnerships distinguish it from previous industry offerings. As the cryptocurrency lending sector recovers from past setbacks, platforms emphasizing security and insurance may attract risk-conscious investors seeking yield on digital assets.
