Bitcoin
Crypto Collateral Lending Increases as BlackRock Lowers IBIT ETF Entry Requirement
A new research report highlights growing demand for crypto-backed borrowing alongside shifts in collateral preferences and lower ETF conversion thresholds.
Crypto-backed borrowing saw marked growth in 2026, according to a report published by CryptoQuant using data from lending platform CoinRabbit. Retail users averaged 53.5 loans per borrower, representing a 74% increase from 30.8 loans in 2025. High-net-worth borrowers also expanded their activity, with average loan counts rising 18% from 16.5 to 19.4.
The study recorded shifts in the composition of pledged collateral. Among high-net-worth borrowers, Bitcoin's share of collateral fell from 57.8% to 30.5%, while Zcash climbed to 24.2% following a price advance from around $50 in late 2025 toward $800. Other assets capturing collateral share included Monero, Chainlink, and Cardano. The overall proportion of repeat borrowers across the platform rose from 61.9% to 65.1%, with average intervals between loans extending to 21 days for retail users.
In parallel, Bloomberg reported that BlackRock reduced the minimum threshold for in-kind Bitcoin conversions into its iShares Bitcoin Trust ETF (IBIT) to $1 million, down 96% from its previous requirement. IBIT has processed over $5 billion in Bitcoin conversions and holds approximately 3.645% of the total circulating Bitcoin supply.
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