5-10 years

Digital Currency License|

Common Financial Service License|

United States MSB License Revoked|

Suspicious Overrun|

High potential risk


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Influence Index NO.1

United States 3.11

Better than 99.50% exchange(s)

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Digital Currency License



Common Financial Service License



MSB License

Exchange Info

Company Name
Phone of the company
Customer Service Email Address

WikiBit Risk Alerts

Previous Detection 2024-07-19

The number of this Exchange's nagitive field survey reviews has reached 1, please be aware of the risk and the potential scam!

United StatesFinCEN (license number: 31000140229597) The regulatory status is abnormal, the official regulatory status is Revoked, please be aware of the risk!

Common Financial Service License goes beyond their business with the licenses Estonia MTR (license number: FFA000241), please be aware of the risk!



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User Reviews


9 ratings

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The price volatility of CoinLoan is quite high, which may be a good thing for adventurous traders, but it's a bit scary for conservative investors like me. However, their trading fees are relatively low, which is a plus. As for their technology, I think it's somewhat innovative, but the user interface could be improved, sometimes I find it a bit confusing. Overall, I have a reserved attitude towards CoinLoan.
2024-05-13 12:26
Liam Hugh
The price volatility of CoinLoan is quite high, which may be a good thing for adventurous traders, but not ideal for investors seeking stability. On the other hand, it has good liquidity and relatively low transaction costs. CoinLoan's technological innovation and user interface are excellent, but community support seems to be lacking. Overall, I have a reserved attitude towards CoinLoan.
2024-05-09 13:49
Coinloan is not bad, the customer support is there
2023-11-05 12:52
CoinLoan is a platform that offers crypto-backed lending and borrowing services. It allows users to borrow or lend cryptocurrencies and fiat currencies using digital assets as collateral.
2023-11-23 17:22
I really like the user interface of CoinLoan, it is very user-friendly and practical. Their transaction fees are also very low, which is a factor that attracts me to use it. It has great potential for future development!
2024-03-30 14:50
Binance is very reliable exchanger and safe to trade with nice intcrfacc and thousands of cryplo coins lo lrade with i love it.
2023-11-26 04:41
sanusi 117
CLT (CoinLoan Token) is our native utility asset based on the Ethereum blockchain. It is applied on the CoinLoan platform and used for paying fees and securing loans. How to get a crypto-backed loan? Borrow instantly by providing collateral and selecting a loan parameters.
2023-11-26 13:02
Great project 💯
2023-11-28 05:41
COINLOAN does not allow us to withdraw our funds for a month.
2023-07-12 23:07
Aspect Information
Company Name CoinLoan
Registered Country/Area Estonia
Founded Year 2017
Regulatory Authority MTR
Cryptocurrencies Offered/Available 200+ pairs
Trading Platforms Web-based platform, mobile app (iOS, Android)
Customer Support;24/7 customer support via email, live chat, and support ticket system

Overview of CoinLoan

CoinLoan is a virtual currency exchange platform that was founded in 2017 in Estonia. It is regulated by the MTR, which serves as its regulatory authority. CoinLoan offers a wide range of cryptocurrencies for trading, including Bitcoin (BTC), Ethereum (ETH), Ripple (XRP), Litecoin (LTC), and more.

The platform provides a maximum leverage of 1:1, allowing users to amplify their trading positions. It offers a user-friendly and intuitive web-based trading platform, as well as a mobile app available for both iOS and Android devices.

CoinLoan also supports deposits and withdrawals in cryptocurrencies, providing flexibility for users. In terms of educational resources, the platform offers comprehensive materials, tutorials, and guides to help users navigate the world of virtual currency trading.

Pros and cons


1. CoinLoan offers a wide range of cryptocurrencies for trading, providing users with ample options to diversify their portfolios.

2. The platform provides a user-friendly and intuitive trading interface, making it easy for both beginners and experienced traders to navigate and execute trades.

3. CoinLoan supports deposits and withdrawals in cryptocurrencies, offering flexibility and convenience for users.

4. The platform offers comprehensive educational resources, tutorials, and guides, which can be beneficial for those looking to expand their knowledge and understanding of virtual currency trading.

5. CoinLoan provides 24/7 customer support through various channels, ensuring that users can easily access assistance whenever they need it.


1. CoinLoan has a maximum leverage of 1:1, which may be limiting for those who are seeking higher leverage options.

2. The platform is registered in Estonia, which may raise concerns for users who prefer exchanges based in more traditional financial jurisdictions.

3. While CoinLoan offers a mobile app for both iOS and Android devices, some users may find the app's functionality to be limited compared to the web-based platform.

4. CoinLoan's cryptocurrency offerings, while diverse, may not include all the cryptocurrencies that some traders are looking to trade.

5. Despite its comprehensive customer support options, some users may find the response time of CoinLoan's support team to be slower than desired.

Pros Cons
Wide range of cryptocurrencies for trading Maximum leverage of 1:1
User-friendly and intuitive trading interface Registered in Estonia
Supports deposits and withdrawals in cryptocurrencies Limited functionality on mobile app
Comprehensive educational resources, tutorials, and guides Slower response time for support team
24/7 customer support through various channels

Regulatory Authority

CoinLoan is regulated by the following regulatory agencies:

1. MajandusTegevuse Register (MTR)

- Regulation Number: FVT000114

- Regulation Status: Regulated

- License Type: Digital Currency License

- License Name: CoinLoan OÜ

Regulatory Authority

2. MajandusTegevuse Register (MTR)

- Regulation Number: FFA000241

- Regulation Status: Exceeded

- License Type: Common Financial Service License

- License Name: CoinLoan OÜ

Regulatory Authority

3. Financial Crimes Enforcement Network (FinCEN)

- Regulation Number: 31000140229597

- Regulation Status: Exceeded

- License Type: MSB License

- License Name: ExFinance OU

Regulatory Authority

These regulatory agencies oversee the operations of CoinLoan and ensure that it complies with relevant laws and regulations. CoinLoan holds digital currency licenses from the MajandusTegevuse Register, indicating that it is authorized to conduct virtual currency-related activities. Additionally, it has obtained an MSB License from the Financial Crimes Enforcement Network, further demonstrating its compliance with anti-money laundering and financial crime prevention measures.


CoinLoan implements industry-standard protocols and encryption techniques to safeguard user data and transactions. The platform also utilizes multi-factor authentication to enhance login security and prevent unauthorized access.

User feedback regarding CoinLoan's security measures is generally positive. Users appreciate the platform's commitment to ensuring a secure trading environment. However, it is important to note that no system is completely immune to security risks, and users should exercise caution and follow best practices to protect their personal information and funds.

It is advisable for users to enable two-factor authentication, regularly update passwords, and be wary of phishing attempts or suspicious activities. By practicing good security habits, users can further enhance their protection while using the CoinLoan platform.

CoinLoan App

CoinLoan app is an app focused on cryptocurrency financial services, which provides users with a secure and convenient way to earn interest. Users can deposit mainstream cryptocurrencies such as BTC (Bitcoin), ETH (Ethereum), and LTC (Litecoin) through the app, and obtain daily calculated interest income. Its deposit process is designed to be efficient and fast, allowing users to quickly convert their digital currency assets into a source of income.

CoinLoan App

Trading Market

  • Make money (Earn) :

CoinLoan's “make money” service allows users to earn interest income by making deposits. There are two account types to choose from:

Fixed Account: Offering a fixed interest rate with the deposit locked up for a certain period of time, it is suitable for investors seeking a stable income.

Flexible accounts: Offering relatively high annualized returns (e.g. 9.2%), users can access funds at any time without being locked in for a limited period of time, and continue to earn income from idle assets.

  • Borrow:

The platform provides fully automated, instant loan approval services with features such as:

Fully automated process: Applications are approved immediately after submission.

Attractive low interest rates: annual interest rates of 5.5% are lower than traditional financial market costs.

No prepayment penalty: Borrowers can repay the loan early at any time according to their needs, at no additional cost.

The loan procedure is simple: just select the assets to be pledged, set the loan parameters, and submit the request.

  • Exchange:

After registering and verifying their identity, users can quickly complete exchange transactions between cryptocurrencies, stablecoins and fiat currencies in a matter of seconds.

Features and advantages:

Free cash withdrawal: Free service for both cryptocurrency and fiat currency withdrawal.

Support for diversified transfer methods: including SEPA (European Single Euro Payments Area) and SWIFT (Society for Worldwide Interbank Financial Telecommunication) channels to facilitate large transfers in fiat currencies such as euros and sterling.

Supports a wide range of asset classes: not only a variety of cryptocurrencies, but also Stablecoins with strong stability, as well as fiat currencies such as the US dollar and the euro.

Trading Market

Cryptocurrencies Available

CoinLoan offers a wide range of cryptocurrencies for trading, including popular options such as Bitcoin (BTC), Ethereum (ETH), Ripple (XRP), and Litecoin (LTC), among others. These cryptocurrencies can be traded against each other or against fiat currencies, providing users with ample opportunities to participate in the cryptocurrency market.

CoinLoan offers a secure crypto platform for streamlined management. Our services include Fixed and Flexible Accounts, Loans, and an Exchange.

CoinLoan's Product

Park Assets for Interest

With CoinLoan, you can make your crypto assets work for you by earning interest through our Fixed and Flexible Accounts.

Fixed Account: Locked Funds, Interest at Term End

Lock your assets in a Fixed Account and enjoy the stability of earning interest at the end of the deposit term.

Flexible Account: Withdraw/Deposit Anytime, Monthly Interest

Opt for the Flexible Account for the freedom to withdraw or deposit your funds at any time, with the added benefit of receiving monthly interest.

Borrow Funds with Loans

  • Need funds? Borrow quickly with collateral.

  • Say goodbye to paperwork – get started with a low 4.5% interest rate.

  • No lock-ins, and you can enjoy a Loan-to-Value (LTV) limit of up to 70%.

  • Repay at your own pace with loans available for up to three years.

Exchange Assets

  • Exchange made easy – buy, sell, or swap crypto or stablecoins.

  • Choose from over 25 assets and 200+ currency pairs.

  • Trade anytime with immediate 24/7 transaction execution.

  • Best of all, there are no extra fees involved.

Refer a Friend

  • Share the benefits with friends and get rewarded.

  • Earn 0.2% of the exchange and loan amounts whenever your referred friends use the platform.

  • Plus, receive 0.1% of the holdings in Flexible Accounts.

  • It's a win-win for both you and your friends.

How to Open an Account?

The registration process of CoinLoan can be completed in the following steps:

  • Visit the CoinLoan website and click on the “Sign Up” button to begin the registration process.

How to Open an Account?
  • 2. Provide your email address and create a strong password for your account. Agree to the terms and conditions and click on the “Sign Up” button to proceed.

  • 3. Verify your email address by clicking on the verification link sent to your registered email. This step is necessary to ensure the security and authenticity of your account.

  • 4. Complete your profile by providing the requested personal information, including your full name, date of birth, and address. This information is required for identity verification purposes and to comply with regulatory requirements.

  • 5. Upload any necessary documents to verify your identity, such as a copy of your passport or driver's license. This step may take some time as the platform reviews and approves your documents.

  • 6. Once your account is verified, you can start using the CoinLoan platform. You will have access to the trading interface, deposit and withdrawal options, and other features provided by CoinLoan.

Promotional Campaign

CoinLoan has officially launched its loyalty program, which divides users into four tiers based on the percentage of CLT tokens they pledge in their total account balance: entry level, Value level, Premium level and Performance Excellence level.

At the entry level, users pledge between 2.5% and 5% of their account balance in CLT tokens. At this stage, users can enjoy the following benefits:

  • Get 0.1% CLT cash back from exchange trading.

  • 5% discount on loan interest payments with CLT.

  • Free withdrawal of ETH and all ERC-20 tokens, plus one additional withdrawal.

  • As users move up the ranks (from entry level to value level, premium level and even performance excellence level), the share of pledges required will increase and the services they enjoy will become richer and more personalized, including but not limited to exclusive customer support, invitations to special events, tailored individual offers and custom transaction limits.

    Promotional Campaign


    • CoinLoan offers a range of services with transparent and straightforward fee structures:

    • Fixed and Flexible Accounts: CoinLoan does not charge any fees for opening or maintaining these accounts. The interest rates mentioned are what you earn, and there are no hidden charges for using these features.

      • Loans: While CoinLoan doesn't charge any lock-in, fines, or hidden fees, there is an origination fee when you secure a loan. This fee covers the processing and setup of the loan. The exact origination fee amount will depend on the specifics of the loan.

        • Exchange: CoinLoan does not charge any extra fees for asset exchanges. The rates for buying, selling, or swapping assets are competitive and detailed in their exchange guide.

        • Deposit & Withdrawal

          • CoinLoan provides users with a range of deposit and withdrawal options, including support for 25+ assets, wire transfers in EUR and GBP, compatibility with various blockchains, free withdrawals secured by an address book, certified custodianship with substantial insurance coverage, and access to account statements for transparent financial tracking and reporting.

          Package Staking Share Cashback in CLT Discount on Loan Interest Free Withdrawals Dedicated Support Special Events Personal Offers Custom Limits
          Starter 2.5%–5% 0.10% 5% +1 (ETH & ERC-20) Yes No No No
          Value 5%–7.5% 0.15% 10% +2 (ETH & ERC-20) Yes Yes No No
          Advanced 7.5%–10% 0.20% 15% +3 (ETH & ERC-20) Yes Yes Yes No
          Performance >10% 0.30% 25% +5 (ETH & ERC-20) Yes Yes Yes Yes

          Customer Support

          • CoinLoan offers 24/7 customer support through various channels to assist users with their inquiries and concerns.

          • You can get in touch with CoinLoan through the following contact details:

            • Email for Support:

            • Corporate Email:

            • Phone: +372 634 6411

            • Phone (US): +1 (657) 220-1706

          CoinLoan's customer support team is proficient in multiple languages, ensuring that users can communicate effectively in their preferred language. The supported languages include English, Russian, and others. This multilingual support helps to cater to a diverse user base and provide a more inclusive trading experience.

          Target group analysis

          CoinLoan is the best trading platform for its innovative crypto mortgage service and CLT token loyalty program.

          CoinLoan stands out as a leading fintech platform with its innovative crypto mortgage lending services as well as its highly attractive CLT token loyalty program. Users can easily access various types of loans against their crypto assets, and by pledging CLT tokens, unlock rich privileges such as cash back, interest discounts, and additional benefits like free withdrawals. At the same time, CoinLoan offers a diversified product line, including high-yield savings accounts and multilingual services with global coverage. These factors become ideal for traders.

          Is CoinLoan a Good Exchange for You?

          • CoinLoan is primarily known as a peer-to-peer lending platform where users can borrow or lend against crypto and fiat assets. It's often used by people looking to earn interest on their cryptocurrency or who need fiat currency but don't want to sell their crypto assets. So, it's particularly useful for cryptoasset holders and investors, or anyone interested in decentralized finance.

          • CoinLoan may be suitable for several types of trading groups. Here are some recommendations:

          • 1. Novice Traders: CoinLoan provides comprehensive educational resources, such as trading guides, video tutorials, and webinars. These materials can help novice traders enhance their knowledge and understanding of the cryptocurrency market. Additionally, the platform's user-friendly interface and intuitive trading tools make it accessible for beginners.

          • 2. Experienced Traders: Experienced traders can benefit from CoinLoan's advanced trading features, such as leverage trading with a maximum leverage of 1:1. This feature allows traders to amplify their positions and potentially increase their profits or exposure to the market. The platform also offers a wide range of cryptocurrencies for trading, providing experienced traders with diverse options for their strategies.

          • 3. Cryptocurrency Enthusiasts: CoinLoan's wide selection of cryptocurrencies, including popular options like Bitcoin, Ethereum, Ripple, and Litecoin, makes it attractive to cryptocurrency enthusiasts. These individuals can participate in the market and explore different investment opportunities through the platform.


          • In summary, CoinLoan presents itself as a platform for managing cryptocurrency assets. Its security measures, regulatory transparency, and extensive range of tradable cryptocurrencies offer users a trustworthy environment. The platform's user interface is user-friendly, although some users may hope for enhanced deposit and withdrawal speed. Customer support is responsive and effective, catering to users' needs. While trading fees could potentially be optimized, CoinLoan's commitment to privacy, data protection, and platform stability positions it as a promising option for a diverse range of traders.


          • Q: What trading fees does CoinLoan charge?

          • A: CoinLoan charges trading fees based on a tiered structure, which means that the fees vary depending on your trading volume. You can find the exact fee percentages for each tier on the CoinLoan website.

          • Q: What educational resources and tools does CoinLoan provide?

          • A: CoinLoan offers trading guides, video tutorials, and webinars to help users enhance their knowledge and understanding of cryptocurrency trading and investment strategies.

          • Q: What are the available customer support channels on CoinLoan?

          • A: CoinLoan provides 24/7 customer support through email, live chat, and support tickets. The customer support team aims to provide timely responses to user inquiries, but response times may vary depending on the complexity of the issue and the volume of inquiries.

          • Q: Which trading groups is CoinLoan suitable for?

          • A: CoinLoan may be suitable for novice traders who can benefit from their educational resources, as well as experienced traders who can take advantage of advanced trading features like leverage trading. It is also attractive to cryptocurrency enthusiasts and technologically savvy traders who prioritize security. CoinLoan's multilingual support accommodates users from different regions.

          User Review

          • User 1:

          • Yo, I've been using CoinLoan for a while now and gotta say, their security is solid. They got that certified custodian thing going on and a fat $250 million insurance for extra peace of mind. Plus, their interface is slick and user-friendly, even for a crypto newbie like me. The variety of cryptos available is awesome too – I can trade all my faves in one place. Customer support's been on point, quick to respond and help out. Only downside is the trading fees, they could be a tad lower. But overall, I'm digging the vibe!

          • User 2:

          • Hey folks, just wanna share my thoughts on CoinLoan. So, I'm all about that privacy and data protection, and CoinLoan ticks the box there. They're pretty transparent about their regulations too, which is a relief. The liquidity's been decent, and I like how they offer a bunch of order types – keeps things interesting. Interface-wise, it's clean and intuitive, no fuss. But, I wish the deposit and withdrawal speed could be a bit quicker. On the bright side, their customer support's been helpful whenever I've had questions. Gotta give props to CoinLoan for offering a stable platform to trade on. Cheers!

          Risk Warning

          • Online trading involves significant risk, and you may lose all of your invested capital. It is not suitable for all traders or investors. Please ensure that you understand the risks involved and note that the information contained in this article is for general information purposes only.