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Ledger has launched the Crypto Loan service, which gives Bitcoin owners the opportunity to take out loans in stablecoins without parting with their coins. To do this, you need to deposit cbBTC or wBTC as collateral and receive USDC or USDT directly in the Ledger Wallet app. Similar lending schemes were already available, but it was Ledger that integrated it into the hardware wallet, which changes the usual approach to working with crypto assets.

The new feature was announced at TOKEN2049 in Singapore. Technically, everything works on the decentralized Morpho protocol, and the infrastructure partner is Yield.xyz — the same platform that Coinbase uses for similar loans. The key point is self‑custody: the funds are not sent to a centralized platform, and transactions are physically confirmed on the Ledger device. Private keys remain with the owner.

Through Ledger Wallet, you can manage the loan: monitor the debt‑to‑collateral ratio, add collateral, repay the debt, or increase the amount. Ledger has directly linked its devices with Morpho, eliminating the need for browser extensions or third‑party wallets. Furthermore, stablecoins through Ledger Earn can be used to finance loans on Morpho, which makes the ecosystem more cohesive and the liquidity more self‑contained.

For Bitcoin holders, the advantage is obvious: access to money without selling the asset. But there is a risk of liquidation if the collateral value drops sharply. This is a standard mechanic that requires attention to the ratios. Ledger does not guarantee or manage the position — the responsibility lies with the key holder.

According to Ledger, their devices protect about 30% of bitcoins held by retail investors. The launch of Crypto Loan is a step towards expanding financial services. After the interface update, Ledger has combined purchasing, exchanging, asset management, and access to dApps. Now a credit module has been added, and the wallet is becoming a single point for various operations, while transaction confirmation still occurs via the hardware.

Previously, Ledger has already demonstrated a new confirmation device along with an updated wallet, positioning them as an alternative to standard solutions. The current launch continues this line: the hardware wallet becomes not only a storage solution but also a platform for capital management. According to Decrypt, the feature is already available to users.