Galaxy Digital is making a play that used to be reserved for private banking clients with stock portfolios: borrow against what you own instead of selling it. The firm’s new Crypto Portfolio Line of Credit, available through its GalaxyOne platform, lets eligible US clients tap USD liquidity using their Bitcoin, Ethereum, and staked Solana holdings as collateral.
The product carries a fixed 8.99% APR and zero origination fees. For crypto holders sitting on appreciated assets, the pitch is straightforward: get cash now, keep your positions, and skip the capital gains headache.
From institutional roots to retail ambitions
Galaxy Digital has been running lending operations on the institutional side since 2018. The GalaxyOne platform, which launched on October 6, 2025, was the firm’s first serious move toward retail, initially offering trading services and cash yields of up to 8% APY for accredited investors.
The platform added SOL staking capabilities on March 31, 2026, with variable rewards reaching up to 6.50%. Galaxy sweetened that deal by waiving platform commissions through the end of 2026.
