Crypto-Backed Loans

Your users want liquidity, not a sell button.

Coinbase originated $1.2B+ in crypto-backed loans in under eight months built on Morpho on Base. Pods gives any neobank that same capability through a single API integration. No smart contract team. No custody changes. No months of engineering.

Built for scale, not shortcuts.

• Cross-chain ready: Deposit on Bitcoin, borrow USDC on Ethereum. Pods handles wrapping, swapping, and settlement.
• Full custody control: Your users' funds stay in your wallets. Pods is the service layer, not the custodian.
• Market-optimized rates: Real-time rate discovery finds the best lending source for every loan based on LTV and market conditions.
• Real-time monitoring: Track loan health, collateral ratios, liquidation risk, and accrued interest via simple REST APIs.
• Flexible economics: Mark up origination, liquidation, or repayment fees. You control the loan economics entirely.
• Enterprise support: 24/7 SLA-backed support channel for production issues, rate adjustments, and operational questions.

Who uses it

• Instant liquidity, no liquidation of holdings: Let users borrow against the crypto they already hold in your app. They keep their upside, you add a revenue line, no order book, no selling, no tax event on the way out.
• A credit product without becoming a lender: Offer borrowing without building a lending desk, holding a balance sheet, or taking on protocol risk. Pods routes each loan to established markets and hands you the execution layer.
• White-label, your economics: Ship it as your product, under your brand, with your rates. Mark up origination, interest, or repayment, you own the full P&L on every loan.
• Stablecoin cash-out for emerging markets: Users collateralize crypto and draw USDC or a local stablecoin they can actually spend, remit, or hold, turning idle balances into working capital without an off-ramp.

How it works

• Create Smart Wallet: Call Pods API to create a dedicated wallet for the customer's loan via POST /smart-wallet.
• Request loan quote: Call Pods API to ask for a loan with desired parameters via POST /loans/bytecode. Get deposit address + quote.
• Customer sends collateral: Customer transfers their crypto (BTC, ETH, stablecoins) to the deposit address. A simple transfer, no complex signing required.
• Pods wraps & deposits: Pods detects the deposit, wraps it 1:1 without slippage (BTC → cbBTC), and supplies into the lending protocol (e.g., Aave).
• USDC arrives + monitor: Pods transfers borrowed USDC to your custody. Track loan status in real-time via GET /wallets/:walletId.
• Repay or liquidate: Customer repays USDC + accrued interest, or position is liquidated if health drops. Collateral + yield returns to your custody.

Core endpoints

• POST /smart-wallet: Create a dedicated smart wallet for a customer. Returns wallet address for loan execution.
• POST /loans/bytecode: Request a loan quote with deposit address. Pass origin asset, borrowed asset, and LTV.
• GET /wallets/:walletId: Query real-time loan data: collateral balance, ratio, accrued interest, liquidation price, health.
• POST /loans/repay: Initiate repayment or liquidation. Pods unwinds the position and returns collateral to custody.

Frequently asked questions

Do I need to change my custody model to offer this?

No. User funds stay in their wallet at all times: Pods is the execution layer, not the custodian. It's also compatible with Fireblocks and institutional custody out of the box.

What collateral and borrow assets are supported?

BTC, ETH, and stablecoins as collateral; USDC as the borrowed asset today, with more pairs following market demand.

How is liquidation risk monitored?

Real-time health ratio tracking with liquidation alerts pushed via webhook: you surface health ratio, liquidation threshold, and margin alerts directly in your UI from the API response.

Is this a proven model or something new?

Proven: Coinbase originated $1.2B+ in crypto-backed loans in under 8 months on Morpho via Base. Pods gives any platform that same capability through one API integration.

When can I start integrating?

Crypto-Backed Loans is coming soon. Join the waitlist for early access, and sandbox access is immediate once you're in.