Crypto hardware wallet maker Ledger is rolling out a new feature that lets users borrow stablecoins against their Bitcoin (BTC) without giving up custody of their assets.

The new Crypto Loan feature lets Ledger Wallet users deposit wrapped Bitcoin as collateral and borrow the dollar-pegged stablecoins USDC or USDT directly inside the app, says Ledger.

The service is powered by the on-chain lending network Morpho and plugged into the app through Yield.xyz.

Users can post either cbBTC or wBTC as collateral and keep their Bitcoin exposure for the life of the loan instead of selling their holdings.

Says Ledger in its latest release notes,

“Morpho is an onchain credit network; the smart contracts govern every interaction, and your collateral stays on-chain rather than sitting on someone else’s balance sheet.”

Every step of the loan, from the first approval to repayment and withdrawal, has to be confirmed on the screen of a Ledger hardware device, which shows each contract function in plain language.

The app also tracks each loan’s loan-to-value (LTV) ratio and lets users add collateral, repay, borrow more or withdraw at any time, with an option to simulate a loan before committing.

From an on-chain analytics and liquidity distribution perspective, developments around "Крипто-кошелек Ledger теперь позволяет пользователям брать взаймы стейблкоины под свои биткойны, не отказываясь от самостоятельного хранения" signal important shifts in network participation. Market participants observe that derivative funding metrics, exchange reserve telemetry, and smart contract protocol interactions reflect cautious accumulation alongside disciplined risk hedging across the sector.

Technical research analysts at CryptoAce VIP note that high-density order book clusters and volume-weighted average price (VWAP) benchmarks near recent consolidation floors will serve as pivotal indicators. Market observers are advised to cross-examine telemetry on verified block explorers before making capital allocations.

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