What is CoinLoan (CLT) Crypto Coin? A Practical Guide to the CeFi Lending Token

Diana Pink 1 September 2025 11

CLT Utility Calculator

How CLT Tokens Work

CLT tokens are CoinLoan's utility token that provide real financial benefits. The more you hold, the more you save on borrowing fees and earn on deposits.

Borrowing Fees

Without CLT: 8.5% APR | With CLT: 5.5% APR

Deposit Rates

Without CLT: Up to 6.2% APY | With CLT: Up to 9.2% APY

Borrow Amount (USD)

Deposit Amount (USD)

CLT Tokens Held

Your Savings

Borrowing Costs Without CLT $0.00

Borrowing Costs With CLT $0.00

Savings from CLT $0.00

Deposit Interest Without CLT $0.00

Deposit Interest With CLT $0.00

Additional Interest from CLT $0.00

Understanding Your Savings: CLT tokens reduce your borrowing costs and increase your interest earnings. For example, with $1,000 borrowed at 8.5% APR versus 5.5% APR, you could save $30 annually just from the lower borrowing rate.

When you hear about crypto lending platforms, most people think of DeFi protocols like Aave or Compound. But there’s another kind of crypto lending platform that’s been around since 2017 - one that doesn’t rely on smart contracts alone, but on real people, real regulations, and a token called CLT. CoinLoan isn’t just another altcoin. It’s a working financial service built for everyday crypto users who want to earn interest, borrow against their holdings, and avoid the chaos of decentralized finance - all while staying within European law.

What Exactly Is CoinLoan?

CoinLoan is a centralized finance (CeFi) platform based in Estonia. It launched in August 2017, making it one of the oldest crypto lending services still operating today. Unlike DeFi platforms where you interact with code, CoinLoan lets you talk to customer support, deposit funds via bank transfer, and get loans without a credit check. It’s like a bank, but for crypto.

The platform lets you:

Earn interest on over 25 cryptocurrencies
Borrow cash or stablecoins using crypto as collateral
Trade between different digital assets
Use CLT tokens to cut your fees and boost your earnings

It’s not a speculative experiment. It’s a regulated financial service that complies with EU anti-money laundering rules and holds $250 million in insurance coverage for user assets. That’s not something you get with most DeFi apps.

What Is CLT, and Why Does It Matter?

CLT is the native token of CoinLoan. It runs on the Ethereum blockchain as an ERC-20 token. That means it’s compatible with most wallets and exchanges that support Ethereum-based assets.

But CLT isn’t meant to be traded like Bitcoin or Ethereum. Its job is utility. If you hold CLT on the CoinLoan platform, you unlock real benefits:

Lower borrowing fees - down to 5.5% APR instead of higher rates
Better interest rates on deposits - up to 9.2% APY on Fixed Accounts
Higher loan-to-value ratios - up to 80% when using CLT as collateral
No fees for lending or withdrawing funds

Think of CLT like a membership card. The more you hold, the more you save. You don’t need to stake it in a liquidity pool or lock it for years. Just keep it in your CoinLoan wallet, and the benefits activate automatically.

How Many CLT Tokens Are There?

There are only 22 million CLT tokens ever created. That’s a fixed supply - no inflation, no surprises.

Here’s how they were distributed:

15 million (68%) - sold to the public during the 2017 ICO
5 million (23%) - sold in the pre-ICO phase
2 million (9%) - reserved for the team and advisors

But here’s the twist: as of October 2025, only about 1.95 million CLT tokens are actually in circulation. That means over 90% of the total supply is still locked up - either held by the company, team members, or locked in long-term agreements.

This low circulating supply explains why CLT’s price has been so volatile. It hit an all-time high of $192.18 in December 2020. Today, it trades around $0.329. That’s a drop of over 99% from its peak. But don’t let the price fool you. For users who hold CLT on the platform, its value isn’t in speculation - it’s in savings.

Contrast between chaotic DeFi liquidation and calm CoinLoan interest earnings with insurance shield and CLT discount badges.

How Does CoinLoan Compare to Other Lending Platforms?

Let’s break it down.

CoinLoan vs. DeFi vs. Traditional Banks
Feature	CoinLoan (CeFi)	DeFi (e.g., Aave)	Traditional Bank
Interest Rates (Crypto Deposits)	Up to 9.2% APY	Up to 12% APY (variable)	0.01%-0.5%
Borrowing APR	5.5%-8.5%	3%-10% (variable)	5%-20% (credit check required)
Loan-to-Value Ratio	Up to 70% (80% with CLT)	Up to 75%	N/A
Credit Check?	No	No	Yes
Insurance Coverage	$250 million	None	FDIC up to $250k
Customer Support	Real people, 24/7	Discord bots, forums	Call centers
Regulation	EU-compliant	Unregulated	Highly regulated

DeFi gives you more control but also more risk. If a smart contract fails, your money is gone - no recourse. CoinLoan takes custody of your assets, but if something goes wrong, you’re covered by insurance and have a team you can reach.

Traditional banks? They don’t offer crypto interest accounts at all. And if you want a loan backed by Bitcoin, forget it - they’ll ask for your pay stubs and credit score.

Who Uses CoinLoan? Real User Experiences

Reddit threads and review sites show a clear pattern: users who’ve been burned by DeFi hacks or lost sleep over volatile interest rates are turning to CoinLoan.

One user from Germany wrote: “I borrowed €10,000 against my Bitcoin in 2022 when prices crashed. My loan didn’t get liquidated because CoinLoan didn’t use a rigid 65% LTV like DeFi. They gave me time to top up. That saved me.”

Another user from Poland said: “I earn 7.8% on my Ethereum without locking it. I can withdraw anytime. My bank pays me 0.1%. This isn’t crypto magic - it’s just better finance.”

But there are complaints too. Some users point out that CLT has almost no trading volume. CoinMarketCap shows $0 in 24-hour trades. That means if you want to sell CLT, you’re stuck on smaller exchanges. It’s not easy to cash out.

Also, KYC is required. You need to upload ID and proof of address. If you want to stay anonymous, CoinLoan isn’t for you. But if you want safety and reliability, this is a fair trade.

Is CoinLoan Safe?

Safety here isn’t about blockchain tech - it’s about operations.

CoinLoan uses:

Multi-signature cold wallets
Offline key storage
Wallet segregation (separate funds for different users)
Transaction monitoring and fraud detection
$250 million insurance through a third-party provider

It’s not perfect. No centralized platform is. But since 2017, it’s survived:

The 2018 crypto winter
The 2020 pandemic market crash
The 2022 FTX collapse
Multiple regulatory crackdowns on crypto lenders

Most competitors vanished. CoinLoan didn’t. That’s not luck. It’s discipline.

Single glowing CLT token among millions of locked tokens, symbolizing utility over speculation in risograph illustration.

Should You Use CoinLoan?

Here’s who should consider it:

You own Bitcoin, Ethereum, or other crypto and want to earn interest without locking it up
You need a loan fast and don’t want to deal with banks
You’re in Europe and want a regulated service
You’ve had a bad experience with DeFi hacks or liquidations
You’re tired of crypto apps that feel like video games

Here’s who should avoid it:

You want to trade CLT for quick profits - the market is too thin
You refuse to do KYC
You live in a country where CoinLoan is blocked (like the U.S.)
You believe all finance should be decentralized

If you’re in the first group, start small. Deposit $100 worth of crypto. Earn interest. Try borrowing $50 against it. See how the system works. Then, if you like it, buy a few hundred CLT tokens and unlock the full benefits.

What’s Next for CoinLoan?

There’s no big roadmap full of flashy promises. CoinLoan doesn’t need to chase hype. It’s already doing what it set out to do: make crypto lending safe, simple, and accessible.

Its future depends on two things:

Expanding beyond Europe - right now, it’s mostly used by EU residents
Increasing CLT adoption - if more users hold CLT to save on fees, demand could rise

Right now, only 1,110 wallets hold CLT. That’s tiny compared to Bitcoin’s millions. But for a platform that doesn’t market itself with influencers or memes, that’s actually a sign of stability.

It’s not a get-rich-quick token. It’s a quiet tool for people who want to use crypto like money - not a casino.

Is CLT a good investment?

CLT isn’t designed as an investment. Its value comes from the savings you get by using it on CoinLoan - lower fees, higher interest rates. If you’re buying CLT hoping it will go up 10x, you’re likely to be disappointed. The token has extremely low trading volume, and most of the supply is locked. Its strength is utility, not speculation.

Can I buy CLT on Coinbase or Binance?

No, CLT is not listed on major exchanges like Coinbase, Binance, or Kraken. You can buy it on smaller platforms like KuCoin, BitMart, or CoinLoan’s own exchange. This limits liquidity and makes it harder to trade. If you want CLT, you’ll need to use one of these niche exchanges.

Does CoinLoan work in the United States?

No, CoinLoan does not serve U.S. residents. Due to strict U.S. crypto regulations, the platform blocks access from American IP addresses. If you’re in the U.S., you’ll need to use other CeFi platforms like BlockFi (now defunct) or Celsius (also defunct), or switch to DeFi services - but those come with higher risk.

How do I earn interest with CoinLoan?

You can choose between two account types: Flexible Accounts (up to 6.2% APY, no lock-up) or Fixed Accounts (up to 9.2% APY, with terms from 7 days to 3 years). Deposit your crypto, select the account, and interest is calculated daily and paid monthly. You can withdraw anytime without penalty - even from Fixed Accounts.

What happens if crypto prices crash while I have a loan?

If your collateral’s value drops too low, CoinLoan will send you a margin call - a warning to deposit more crypto or repay part of the loan. Unlike DeFi platforms that auto-liquidate you at 65% LTV, CoinLoan gives you time to respond. They won’t sell your assets without notice. This makes it safer for users who aren’t constantly monitoring markets.

Do I pay taxes on interest earned from CoinLoan?

Yes. In most countries, including those in the EU, interest earned from crypto lending is considered taxable income. CoinLoan doesn’t send tax forms, so you’ll need to track your earnings manually. Use crypto tax software like Koinly or CoinTracker to calculate your liability based on your local laws.

Final Thoughts

CoinLoan doesn’t try to be the flashiest crypto project. It doesn’t have a metaverse or NFT collection. It doesn’t promise moonshots. It just lets you earn interest, borrow money, and save on fees - all with real-world reliability. The CLT token isn’t a gamble. It’s a discount card for better financial terms.

If you’re tired of DeFi’s complexity and traditional banks’ refusal to touch crypto, CoinLoan offers a middle ground. It’s not perfect, but it’s honest. And in crypto, that’s rare.

Turkey's Pivot Toward Comprehensive Crypto Regulation: What It Means for Traders and Businesses

4 December 2025

11 Comments

Tom Van bergen
December 5, 2025 AT 00:31

CLT is worthless nobody cares
Nicole Parker
December 7, 2025 AT 00:31

I get where you're coming from, but I think there's something really quiet and powerful about platforms like CoinLoan. You don't need to be a crypto bro to use it. I started with just $50 in ETH, earned a little interest every month, and honestly it felt more like banking than gambling. The fact that they let you withdraw anytime from fixed accounts? That's huge. Most platforms lock you in, but here you can still breathe. And CLT isn't about flipping coins-it's about saving on fees. I hold mine just to get the 8.5% rate instead of 6.2%. It's not sexy, but it works.

People keep saying 'it's not decentralized' like that's a bad thing. Maybe we've forgotten that finance used to be about trust, not code. If your money's safe and you can actually talk to someone when things go sideways, that's not weakness. That's wisdom.
Ben VanDyk
December 8, 2025 AT 12:41

The insurance coverage is misleading. $250 million sounds impressive until you realize it's spread across millions in assets. That's less than 1% coverage. And the fact they block the US? Classic. They're not trying to be inclusive-they're avoiding liability. Also, 'regulated' doesn't mean safe. Estonia has lax oversight compared to the EU core. Don't mistake bureaucracy for security.
Sandra Lee Beagan
December 9, 2025 AT 12:09

I'm from Canada and I've been using CoinLoan for over a year now 🌱 Honestly, it's been a game-changer for me. I used to panic every time crypto prices dipped because I had everything in DeFi and got liquidated once. CoinLoan gave me breathing room. The customer support actually replied to me within an hour when I had a withdrawal issue. And yes, KYC is annoying-but if you want to sleep at night, it's worth it. CLT isn't for traders. It's for people who want to use crypto like a tool, not a lottery ticket. I hold mine because I save $15/month on fees. That's real money.

Also, the fact that they survived FTX? That says more than any whitepaper ever could.
Stanley Wong
December 11, 2025 AT 10:27

I think people are overcomplicating this. CoinLoan isn't trying to be the future of finance. It's trying to be the responsible version of it. DeFi is like building a house with Legos and hoping the wind doesn't blow. CoinLoan is using bricks and mortar. The CLT token is just a loyalty card. You don't buy a loyalty card to flip it-you buy it because you're going to use the store. The price drop isn't a failure-it's a feature. If everyone was trading CLT, the utility would disappear. The fact that 90% of the supply is locked means the platform isn't being gamed. That's actually a good thing. Most crypto projects are just pump-and-dumps with a website. This one? It's just trying to run a business. And it's been doing it for eight years. That's not luck. That's discipline. The fact that you can't buy it on Binance? That's a feature, not a bug. It keeps the speculators out.
Richard T
December 11, 2025 AT 13:46

I'm curious-how many people actually use CLT for its utility versus holding it hoping it'll pump? I've seen wallets with 10,000 CLT but zero activity on the platform. Are they just bagholders? Or are they using it to lower their borrowing rates? I think the real test isn't the price-it's how many active users are actually benefiting from the fee discounts. If only 1,110 wallets hold it, and most of them are just sitting on it, then the utility claim feels thin. Maybe it's a good product, but is the token working as intended? Or is it just another token with a story?
jonathan dunlow
December 12, 2025 AT 07:27

Listen, if you're still scared of centralized platforms after FTX, I get it. But here's the truth: the world doesn't run on decentralization. It runs on trust, accountability, and people who show up. CoinLoan has customer support. They have insurance. They have real offices. They didn't vanish when the market crashed. That's not boring-that's brave. Most crypto projects are just code with a Discord server. This one? It's a company. And companies fail. But this one didn't. Why? Because they cared about their users, not their token price. If you're holding CLT to save on fees? That's smart. If you're holding it to get rich? You're already late. But if you're holding it because you want to use crypto like a normal person? Then you're exactly where you should be. Stop chasing moonshots. Build your financial safety net instead.
rita linda
December 13, 2025 AT 13:03

Let me just say this: if you're not in the EU, you're not part of the real crypto economy. The US is still stuck in 2015 with its regulatory paranoia. CoinLoan doesn't serve Americans because they're not stupid. They're not going to risk their license for a market that wants to regulate them into oblivion. And CLT? It's not a currency-it's a privilege. You want to use a regulated, insured, non-degenerate crypto lending platform? Then you play by their rules. KYC, EU residency, holding CLT. That's the cost of safety. If you want anonymity and freedom? Go to DeFi. But don't cry when your money gets stolen by a bot. This isn't a conspiracy. It's capitalism with boundaries.
Martin Hansen
December 14, 2025 AT 20:52

You people are delusional. You call this 'responsible finance'? It's a glorified Ponzi with a European license. CLT has zero liquidity, no major exchange listings, and a token supply where 90% is locked. That's not stability-that's manipulation. They're artificially inflating the perceived value by hoarding tokens and pretending it's a 'utility'. Meanwhile, the price is 99% down from its peak. If this were a public company, the SEC would shut it down for market manipulation. And don't give me that 'it's not for speculation' nonsense. Every token is for speculation. That's the only reason people buy them. You're just lying to yourself because you don't want to admit you got scammed.
Frank Cronin
December 16, 2025 AT 15:40

Oh wow. Another cult member worshipping at the altar of CeFi. Let me guess-you also think FDIC insurance makes banks safe? Newsflash: they stole your money during the 2008 crash and called it 'bailout'. CoinLoan is just the same thing with crypto. They're not safe-they're just slower to collapse. And CLT? It's not a discount card. It's a rug pull waiting to happen. They've been around since 2017? So what? So has MyBigCoin. And look where that got us. The fact that you're proud of KYC and regulation means you've already surrendered your financial freedom. Congrats. You traded autonomy for a 9.2% APY. Enjoy your beige financial life.
Stanley Wong
December 18, 2025 AT 12:24

I think Frank’s got a point about the regulatory facade, but I also think he’s missing the bigger picture. People like me aren’t here because we’re scared of DeFi-we’re here because DeFi failed us. I lost $8k in a flash loan attack on a 'decentralized' platform. No recourse. No help. No apology. CoinLoan didn’t just give me back my money-they called me personally to explain what happened and offered a fee waiver. That’s not a feature of the token. That’s a feature of the company. And yeah, CLT’s price is trash. But I don’t care. I hold it because I save $20/month on borrowing fees. That’s real. That’s tangible. I don’t need it to moon. I need it to work. And it does. Maybe that’s not revolutionary. But in crypto? It’s revolutionary enough.