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Get cash without having to sell your crypto holdings
Onchain borrowing made easy — for everyone
Decentralized Finance (DeFi) lending protocols are applications that run on blockchain networks like Ethereum and allow users to borrow or lend crypto assets. Rocko’s simple-to-use platform reduces the time and complexity so consumers of all levels can easily borrow from popular DeFi protocols — starting with Compound — in order to access cash¹ or USDC at competitive rates.
Borrow up to 80% of the value of your ETH or BTC² — with flexible loan terms
Use Rocko to access better loan-to-value ratios, more competitive rates, and more flexible loan terms than offered by many traditional lenders.3 Take out your loan for as little or as long as you like.4 And, with no monthly minimum payments!
Use your loan for things like:
Use your loan how you want
With Rocko, you can quickly get funds with no credit check required. Use your loan to purchase real estate, pay down higher-rate debt, make everyday purchases, and much more.
Get a LoanBorrow at ease knowing your crypto collateral is not being lent to others
Unlike many centralized crypto lenders, Compound does not allow for the rehypothecation of assets. This means when you take out a loan using Rocko, your collateral is not lent to other borrowers. Instead, it is locked in a smart contract until you repay your loan. Additionally, all loans are transparent and can be audited onchain.
Learn more about the benefits and risks of DeFi borrowing here.Your keys, your crypto
Rocko smart wallets are fully non-custodial, meaning only you have access to any funds they hold and to the private key (a secret code that allows you to access and control your wallet). Rocko leverages industry-leading solutions to deploy smart wallets and protect private keys. Your private key is encrypted and stored in a secure enclave provided by Turnkey, accessible only by you. Additionally, your smart wallet is created using Kernel — a popular and highly-audited modular smart account. You can review Kernel's audits on their Github page.
1The loan will be denominated in USDC but can be converted into USD using centralized exchanges such as Coinbase.
2BTC will need to be converted into cbBTC or WBTC to be used as collateral for a loan. You can learn more about this process in this detailed guide.
3 Interest rates and loan terms, including max LTV, are determined by Compound, a lending protocol. Interest rates can fluctuate in real-time based on market forces. You can learn more about them in this detailed guide.
4Loans offered by Compound are open-ended, meaning borrowers can repay at any time as long as the loan-to-value ratio for their loan remains below the liquidation threshold. Learn more about Compound in this detailed overview.
Use Rocko to compare and access competitive interest rates
(Available on Rocko)
(Available on Rocko)
Easily refinance to keep your rate low
Many DeFi protocols can offer lower interest rates than centralized (CeFi) lenders due to lower operational costs and cheaper cost of capital.
As interest rates between DeFi protocols change, you can use Rocko to easily refinance and ensure you're not overpaying.
*The rate for CeFi Lenders is determined by averaging the interest rates charged by Arch Lending and Ledn as of 10/23/2024 and does not include any origination or admin fees.
Security-First Design
Audited DeFi Protocols Only¹
Rocko only supports lending protocols that have undergone third-party security audits.
Non-Custodial
Rocko wallets are non-custodial, meaning only you have control over any funds held by them.
Coming Soon: Passkeys
Leverage Passkeys for greater security when authorizing transactions.
1While third-party audits can help mitigate risks associated with DeFi protocols, they do not fully eliminate the risks.
Comprehensive Loan Dashboard
View Key Information
View key information such as your current balance, interest rate, and collateral buffer.
Manage Your Loan
Borrow more, make payments, or modify your collateral — all in one place.
Projected Values Calculator
Before committing to a payment or collateral modification, see how it would impact your loan with Rocko’s projected values calculator.
Track Rewards
Track any rewards earned from lending protocols like Compound.
Set up text and email alerts to monitor changes in your collateral value and interest rate
Set up alerts
Be notified of changes in your collateral value or interest rate.
Choose alert method
Customize the frequency and trigger
How it Works
Set Up Your Loan
Choose how much to borrow, which type of crypto asset to use as collateral, how much collateral to post, and where to receive the loan amount.
Receive a Rocko Smart Wallet
Upon finalizing your loan, you'll receive a Rocko smart wallet which will automatically fulfill your loan based on your specifications.
Transfer Collateral for Automatic Loan Fulfillment
Once you transfer the crypto collateral to your Rocko smart wallet, it will automatically deposit the collateral in Compound and transfer your loan to your specified account or wallet.
Receive Your Loan!
You can manage and repay your loan at any time using the Rocko loan dashboard. Upon fully repaying your loan, you'll automatically receive your collateral back.
Best-in-Class Features
Quick Loan Process
Set up your crypto-backed loan in minutes with Rocko's simple-to-use interface.
Quickly get USD¹ or USDC
Receive your loan directly to an exchange account so you can easily convert it to USD and use it for things like real estate, paying down higher-rate debt, buying a car, and more.
Coinbase Integration
Link your Coinbase account to further simplify getting your crypto loan.
Powerful Loan Management Tools
Manage risk with powerful loan management tools like collateral and APR alerts.
Audited DeFi Protocols Only²
Only lending protocols that have undergone third-party security audits are available through Rocko’s interface.
Book a call
Human Customer Support
Speak with the Rocko team on how to use the platform and get a crypto-backed loan!
Reduced complexity
Automated Loan Fulfillment
Your Rocko wallet is programmed to fulfill your loan for you — saving you time and complexity.
1The loan will be denominated in USDC but can be converted into USD using centralized exchanges such as Coinbase.
2While third-party audits can help mitigate risks associated with DeFi protocols, they do not fully eliminate the risks.