Partial.ly - Access Your Crypto's Value Without Selling

Access your Crypto's Value.
Without Selling.

Let your crypto grow, access its value when you need it, and keep earning.

Up to 10% APY
Earn on your crypto
Instant Liquidity
Borrow without selling
Built for Simplicity
No DeFi expertise required
See How It Works
How It Works

Your crypto isn't meant to be locked away or sold -
it's meant to grow.

Deposit to earn yield. Borrow when you need cash. Keep your upside.

1

Deposit

Plant your crypto where it can grow

Add your crypto to yield-generating vaults designed to work automatically in the background.

2

Earn

Watch it grow with competitive yields

Your crypto earns yield over time while you hold - no active management required.

3

Borrow

$

Harvest value without uprooting your assets

Access liquidity when you need it while your crypto stays invested and keeps earning.

4

Spend

$

Access the value today without limiting tomorrow

Use what you've unlocked on your terms, while your crypto continues to work for you.

Earn
10.0%
Partial.ly
2.0%
Savings
0.04%
Checking

Earn 250x more per year than your Checking

Earning, without the tradeoffs

Withdraw 24/7, or spend anytime
Compounds every second
Earnings reinvested automatically
Borrow & Spend

Buy Now, Keep Earning

Why sell your crypto when you can borrow against it? Get instant liquidity while your assets keep earning.

A familiar way to access credit, backed by your digital assets.

Credit cards and Partial.ly work in similar ways. They give you flexible access to spending power. The difference is what backs the credit.

Partial.ly

Traditional Credit Cards & BNPL

Access credit using digital assets you already own
Unsecured lines of credit based on your credit profile
Keep your upside — assets continue earning while you borrow
No asset upside — spending doesn't stay invested
~5% borrow APY — transparent, asset-backed borrowing costs
24%+ variable APR on revolving balances
Instant approval & funding — no applications or waiting
Credit checks & limits determine access
Flexible repayment — repay anytime, no prepayment penalties
Monthly billing cycles and minimum payments
Partial.ly
Using Partial.ly
Positive Carry
Rate Breakdown
Vault Earnings
+6.5% APY
Borrow Cost
-3.89% Borrow APY
The Net Math
Net Rate: +2.61% Positive Carry
Referral Program

Earn 20% Back When Friends Join

Invite friends to Partial.ly and earn 20% of all fees they generate—forever. Payouts are instant and sent directly to your wallet.

20%
Cash Back
Every time your friends use the platform
Instant
Payouts
Paid directly to your wallet
Lifetime
Duration
Earn forever on each referral
Platform Features

Everything You Need, One Platform

Built on Solana. Designed for simplicity.

Earn Vaults

Deposit and start earning. We handle the fees, you keep 95% of the rewards.

Crypto-Backed Loans

Borrow up to 75% of your crypto's value. No credit checks, instant approval.

Token Swaps

Swap between tokens with one click. Best rates, no hassle.

Cash In & Out

Move money in and out with your bank account. Fast and easy.

Transparent Pricing

Simple, honest fees

No hidden charges, no monthly subscriptions. You only pay when you use the platform.

0.5%
Loan Origination

One-time fee when you borrow against your crypto

0.25%
Swap Fee

Per swap when exchanging tokens

5%
Performance Fee

On vault profits only — charged at withdrawal

1.5%
Purchase Fee

Applied when purchasing crypto through the platform

Gas-free by default — We cover 100% of on-chain gas fees so you never pay for transactions.