Borrowing against crypto has been around for a while, but it feels like it's finally clicking for more people. You borrow cash or stablecoins against your holdings, keep your bags, no tax event, no lost upside.
Tried it for the first time last year when I needed liquidity for a purchase, but couldn't imagine selling my BTC at that point in the cycle. Went through Nехо, took out a loan at, I think, at the time something like 3% APR, paid it back a few months later once things settled.
Small, conservative loans for real liquidity needs - that's where this makes sense to me. Using it to chase positions or over-trade is where people blow up. The rate matters too imo and I saw that it's as low as 1.9% at nехо now.
Curious where people stand on this in 2026. Anyone doing it? Selling crypto, especially BTC or ETH, has always been a no-no for me, and I think I found a workaround