Quick Overview

• CoinLoan (CLT) is the native utility token of the CoinLoan lending platform.
• It runs on Ethereum using the ERC‑20 standard.
• Holding CLT lowers borrowing fees and boosts interest rates on the platform.
• Total supply is fixed at 22million, with under 2million currently circulating.
• The platform offers Fixed and Flexible accounts with rates up to 9.2%APY.

What Is CoinLoan (CLT) Token?

When you hear the name CoinLoan, think of a CeFi service that lets you lend or borrow crypto without a credit check. The CLT token is the platform’s native utility token. It lives on the Ethereum blockchain as an ERC‑20 asset, meaning it can be stored in any wallet that supports Ethereum.

CLT’s main purpose is to act as a fee‑payment medium and a staking instrument. When users lock CLT in the platform’s vault, they unlock lower loan‑to‑value (LTV) ratios and enjoy discounted borrowing fees. In other words, the more CLT you hold, the cheaper it gets to borrow other assets.

The token launched in 2017 with a hard‑capped supply of 22million units. Fifteen million were sold to the public during the ICO, 2million went to the founding team and advisors, and 5million were distributed in the pre‑ICO. As of October2025, only about 1.95million CLT tokens are in circulation, leaving a large portion locked or held by early investors.

How Does the CoinLoan Platform Work?

The platform combines peer‑to‑peer lending with a regulated financial‑services structure based in Estonia. Users can either become lenders-depositing crypto to earn interest-or borrowers-taking out a loan against crypto collateral.

Key features include:

• Fixed Accounts: lock your assets for a chosen term (7days to 3years) and receive a guaranteed rate up to 9.2%APY. Longer terms yield higher returns.
• Flexible Accounts: no lock‑up, daily interest accrual, and up to 6.2%APY with monthly compounding.
• Borrowing rates start at 5.5%APR, with LTV ratios up to 70% for most assets. If you pledge CLT as collateral, the platform offers an 80% LTV based on the token’s market price.
• No credit checks, no paperwork, and no early‑repayment penalties.
• Support for over 25 crypto assets, wire transfers in EUR and GBP, and $250million of insurance coverage for custodial holdings.

The service is fully compliant with European financial regulations, which means users must pass KYC/AML verification before they can trade or borrow.

Token Utility and Benefits

Beyond fee payment, CLT provides three concrete benefits for active users:

1. Discounted Borrowing Fees: Staking CLT reduces the effective APR by up to 0.6%.
2. Higher Interest Rates for Lenders: Lenders who lock CLT can earn an extra 0.5%‑0.8% on Fixed Accounts.
3. Increased Loan‑to‑Value Ratios: Using CLT as collateral raises the LTV from the standard 70% to 80%, meaning you can borrow more against the same amount of token.

These incentives turn CLT into more than a speculative asset-it becomes a functional tool for reducing costs and improving returns on the platform.

Tokenomics & Distribution

Understanding the supply dynamics helps gauge future price pressure. The breakdown looks like this:

Because a large chunk remains non‑circulating, any future unlock events could exert downward pressure on price. Conversely, the low circulating supply can also mean higher scarcity for active users, potentially supporting value if demand rises.

Centralized vs. DeFi Lending: Where Does CoinLoan Fit?

Many newcomers wonder how a CeFi platform stacks up against decentralized protocols. Below is a side‑by‑side snapshot.

For users who value regulatory protection and personal support, CoinLoan can be a safer entry point. Those chasing higher yields and full control of private keys might lean toward DeFi alternatives.

Risks and Considerations

Even with its benefits, CLT comes with a handful of risks worth noting:

• Volatility of Collateral: If the market price of CLT drops sharply, borrowers may face margin calls or liquidation.
• Custodial Trust: Because the platform holds your assets, a security breach could expose funds, despite the platform’s $250M insurance.
• Regulatory Changes: New EU or global rules could restrict CeFi operations or impose additional compliance costs.
• Liquidity Constraints: CLT trades at low volume, making it difficult to buy or sell quickly without price impact.
• Supply Unlocks: Future token releases from the locked pool could dilute value.

Smart users monitor the token’s price, keep a buffer in their collateral, and stay updated on regulatory news to mitigate these risks.

How to Get Started with CoinLoan

If you decide to explore the platform, follow these steps:

1. Visit the official CoinLoan website and click “Sign Up.”
2. Complete KYC verification (passport, proof of address, selfie).
3. Connect an Ethereum‑compatible wallet (e.g., MetaMask) to deposit CLT or other crypto.
4. Choose a product:
   • “Fixed Account” for locked‑in interest.
   • “Flexible Account” for daily accrual.
   • “Borrow” if you need funds, select collateral type and LTV.
5. If you want fee discounts, stake the desired amount of CLT in the “Staking” tab.
6. Monitor your portfolio via the dashboard and set alerts for price or LTV thresholds.

Remember, the platform only accepts users from jurisdictions it can legally serve, so you may need to confirm eligibility if you live outside the EU.