K33 has officially rolled out a new crypto-backed lending service, giving clients a way to access liquidity without selling their long-term digital asset holdings.
The product allows eligible users to borrow against Bitcoin or Ether, positioning K33 among the first regulated providers in the Nordic region to offer balance-sheet-backed crypto loans.
The service is aimed at investors who want to remain exposed to the long-term value of their assets while unlocking short-term capital for expenses or new investments. Rather than liquidating positions, clients pledge crypto as collateral and receive funding in stablecoins.
How K33 Loans Work
Under the new offering, clients can use Bitcoin (BTC) or Ethereum (ETH) as collateral to borrow USDC. Because the assets are not sold, the structure avoids converting long-term holdings into cash at market prices.
K33 funds the loans directly through its own Bitcoin treasury, which the company established in 2025 as part of a broader strategy to generate yield and expand its product suite. This internal funding model allows K33 to offer loans without relying on external liquidity providers.
Access and Rollout
The product is launching in a limited rollout phase, with K33 onboarding a select group of clients initially. Interested users are required to submit an expression of interest through the K33 Loans Official Page.
All applications are subject to eligibility reviews and regulatory compliance checks, reflecting K33’s positioning as a regulated digital asset broker operating in the Nordic market.
Key Advantages for Clients
K33 highlights several benefits tied to the loan structure. Because crypto is used strictly as collateral, borrowers may avoid triggering an immediate taxable event associated with selling digital assets. The loans are issued in USDC but can be converted into local fiat currencies such as NOK, EUR, or USD, offering flexibility depending on the client’s needs.
With this launch, K33 expands its services beyond brokerage and trading, adding credit products designed for long-term holders seeking liquidity without exiting their positions.