Crypto Backed Loans at Competitive Rates

Crypto-backed loans at competitive rates¹

Receive USD² or USDC in your exchange account or Ethereum wallet by using your crypto holdings as collateral

¹Interest rates are offered by Compound III and Aave V3 lending protocols and fluctuate in real-time based on market forces. The rate displayed may be delayed.

²The loan will be denominated in USDC but can be converted into USD using centralized exchanges.

+ This content is for general informational purposes only and is not financial advice. Engaging in blockchain transactions and with DeFi protocols involves risks.

Prospective users should evaluate whether they understand and are comfortable with the risks before participating.

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Get cash without having to sell your crypto holdings

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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, such as Aave and Compound, in order to access cash¹ or USDC at competitive rates.

Borrow using your ETH, BTC², or other tokens as collateral — 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!

Post ETH or WBTC, Borrow USDC, Convert to Cash

Use your loan for things like:

Real Estate Purchases

Paying Down Higher-Rate Debt

And Much More

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 Loan

Borrow with confidence and control over your crypto collateral

Rocko supports multiple lending protocols, each with unique lending structures. You can choose to borrow from a DeFi protocol that may offer interest on your collateral—often earned by lending your collateral to other borrowers, as with Aave—or from a protocol that keeps your collateral secure without lending it out, like Compound. All loans are transparent and can be audited onchain, giving you peace of mind and control over how your crypto assets are utilized.

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 and Aave, DeFi lending protocols. 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 and Aave 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 DeFi loans in this detailed overview.

Use Rocko to compare and access competitive interest rates

20%

15%

10%

12.7%

0.00%

CeFi Lenders*

Compound (Ethereum)

(Available on Rocko)

Compound (Base)

(Available on Rocko)

Aave (Ethereum)

(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. The rate for Rocko DeFi providers is set by the 3rd party protocol and shown here as a trailing 30 day average.

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.