Crypto lending allows you to earn interest on your cryptocurrency or borrow cash/crypto by using your digital assets as collateral. Crypto lending platforms connect lenders who want to passive income with borrowers who need liquidity without selling their coins Top crypto lending platforms for investors in 2026. Recent 2026 updates have even integrated this space into traditional finance, with Fannie Mae now accepting crypto-backed mortgages for home buyers Fannie Mae accepts crypto-backed mortgages for the first time.