Kraken Launches Fixed-Rate 'Flexline' Crypto Loans for Pro Users
Kraken announced on Feb 25, 2026 that it is launching Flexline, a fixed-rate lending feature for Pro users. Flexline lets Pro account holders borrow against crypto holdings at fixed APRs between 10% and 25%, with loan terms up to two years. The product is positioned as an alternative to variable-margin credit, providing predictable interest and payment schedules for traders and hodlers who want to access liquidity without selling positions.
Fixed rates could appeal to traders and institutions seeking budgeting certainty and longer-duration leverage, while the 10–25% range reflects higher risk pricing compared with mainstream consumer credit but is common in collateralized crypto lending. Limiting Flexline to Pro users suggests Kraken is targeting experienced or higher-volume clients first; broader availability may follow depending on demand and risk outcomes. For users, the move expands options to monetize crypto holdings while keeping exposure, and it signals continued growth in centralized exchange lending services.