[//]:content-type-MARKDOWN-DONOT-DELETE  **Crypto Loan** With Gate.io Crypto Loan service, users can use their idle assets as collateral to borrow other assets without the need for transaction. Borrowed assets can be used for spot trading, futures trading and investment in the Gate.io ecosystem. Also, users can withdraw borrowed funds to external platforms to expand broader opportunities. **Flexible Crypto Loan** Gate.io Flexible Crypto Loan is a loan product with no fixed loan term and dynamic interest rate. Once the loan is approved, the funds will be credited immediately. Borrow and repay at any time, providing you with more flexibility and convenience. How can you Borrow to Earn? **1. Crypto Loan x Staking** For Gate.io ETH2.0 Staking, holding ETH2 is equal to participating in ETH2.0 staking. If you are interested in investing in ETH2.0 Staking, you can choose to borrow USDT through Crypto Loan Service and exchange them for ETH2 to participate in ETH2.0 Staking for arbitrage. **2. Crypto Loan x Earn ** Gate.io HODL & Earn offers access to a variety of crypto investment products, including Lock & Earn, Flexible Staking, Dual Currency Product and Structured Products services. If you are interested in Gate.io investment, you can choose to borrow crypto through Crypto Loan Service and subscribe to related investment products for arbitrage. **3. Crypto Loan x Cross-platform Arbitrage** If you are interested in Cross-platform investment, assuming that the loan rate of Gate.io is 1% while another platform offers a 6% APR, you can choose to borrow crypto through our Crypto Loan Service and invest in other platforms. **4. Crypto Loan x Trade** If you think that a crypto is going to surge or plummet, you can choose to borrow USDT through Crypto Loan Service and go long or short on the said crypto in the trading market. When you reach your desired price, simply pay off the loan and keep the profits. **5. Crypto Loan x Fiat** If you are in urgent need of liquidity but do not wish to sell off your assets, you can choose to borrow USDT through Crypto Loan Service and exchange them for fiat currencies. **Note: **Users should be fully aware of the risks of price fluctuations of digital assets when using Crypto Loan. Please exercise caution and manage risks. Users in the UK and other Restricted Locations cannot access this service (please see [the User Agreement “Section 2.3(d) Restricted Locations”](https://www.gate.io/zh/user-agreement "the User Agreement “Section 2.3(d) Restricted Locations”")). **Welcome to experience:** Web：[Gate.io -> Finance -> Crypto Loan](https://www.gate.io/cryptoloan "Gate.io -> Finance -> Crypto Loan") App：[Homepage -> More -> Financial -> Crypto Loan](https://www.gate.io/cryptoloan?gt_nav_bar=0 "Homepage -> More -> Financial -> Crypto Loan") More: [Learn about Gate.io Crypto Loan](https://www.gate.io/help/lend/crypto_loan "Learn about Gate.io Crypto Loan") Gateway to Crypto Trade over 1,700 cryptocurrencies safely, quickly and easily on Gate.io [Sign up](https://www.gate.io/signup "Sign up") to enter the crypto gateway and get 40% commission from [referrals](https://www.gate.io/referral "referrals") [Download iOS/Android App](https://www.gate.io/mobileapp?ch=ann27560 "Download iOS/Android App") right now. Reach out to us! Twitter: https://twitter.com/gate_io GateVIP Twitter: https://twitter.com/GateioVIP Telegram: https://t.me/gate_io API Telegram: https://t.me/gateioapi Instagram: https://www.instagram.com/gateioglobal Medium: https://gateio.medium.com/ Podcast: https://gateio.buzzsprout.com/?ch=buzzs Gate.io Team November 20th, 2023