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88% of crypto holders want loans but only 14% borrow, revealing a big untapped Bitcoin lending market

Market News
20 Jun 2026, 18:55 WIB
Crypto Briefing
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Bullish
88% of crypto holders want loans but only 14% borrow, revealing a big untapped Bitcoin lending market

A survey of 1,244 crypto holders in the US and Australia found 88% are open to taking loans backed by their digital assets, but only 14% actually use such loans, highlighting a large gap Ledn calls the “collateral gap.” The main barrier is trust concerns like price volatility, liquidation risk, and unclear regulations, rather than loan rates. Ledn estimates the current Bitcoin-backed loan market at $3 billion, with potential to grow to $1 trillion in the next decade, signaling huge growth opportunities in crypto lending.

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