Galaxy Digital Rolls Out Retail Crypto Credit Line Backed By Bitcoin, Ethereum, Solana

Galaxy Digital (Nasdaq: GLXY) has broadened its offerings for individual investors by introducing a new borrowing facility on its GalaxyOne platform. The Crypto Portfolio Line of Credit enables qualifying users to secure cash loans using their holdings in Bitcoin, Ethereum, and Solana—including assets that remain staked—without the need to liquidate those positions.

This revolving credit arrangement pools eligible digital assets into a unified collateral base.

Rather than arranging separate facilities for each cryptocurrency, clients gain access to a single flexible line.

Borrowers can draw funds as needed for personal expenses, investments, tax payments, real estate, or other purposes while continuing to hold their crypto exposure.

Because the underlying assets are not sold, the approach generally supports more tax-efficient liquidity compared with outright disposal of holdings.

Key terms include the absence of any origination or upfront fee and an annual percentage rate of 8.99 percent.

Interest is charged only on amounts actually drawn, with payments structured on an interest-only monthly basis under an open-ended arrangement.

Approved draws are typically disbursed immediately in either U.S. dollars or USDC stablecoin.