Torque

Need spendable funds without parting with your crypto? Here’s a practical way to get them. Connect your wallet, choose what you want to borrow, and post the tokens you already hold as collateral. Set your target loan-to-value with a simple slider, preview the rate you’ll lock in at creation, and confirm the transaction. Funds arrive in your wallet in minutes, and there’s no sign-up flow beyond your wallet—no forms, no identity checks. Because there’s no set due date, you control when to repay and how long to keep the position open.

Day to day, treat your position like any other on-chain position you manage. Watch your collateral ratio as markets move; if prices drop, add more collateral or repay a portion to keep your buffer healthy. When prices rise, you can withdraw excess collateral while maintaining your safety margin. Interest accrues at the rate you locked when you opened the position, so your cost of capital won’t jump unexpectedly. Repay anytime—partially or in full—to reduce interest and reclaim collateral instantly once the debt is settled. Keep a lightweight routine: check your health factor, set price alerts in your wallet app, and schedule small top-ups ahead of major market events.

For traders and power users, this unlocks flexible tactics. Need stables for a time-sensitive opportunity? Post ETH, borrow a stablecoin, execute your trade, and unwind when profits land. Want to hedge? Borrow the asset you’re long on, swap to a stable, and reduce directional risk without closing core positions. If you’re running yield strategies, borrow against a blue-chip position to access working capital while your base assets stay on-chain. Content creators and freelancers can bridge dry spells: borrow against holdings to cover software, ads, or equipment, then repay from upcoming invoices without touching long-term stacks.

Teams and builders can fold this into daily operations. DAOs can smooth cash flow by borrowing against treasury assets for payroll or vendor payments, then repaying after token inflows. Treasurers can fix borrowing costs at creation, plan runway scenarios in a spreadsheet, and set conservative collateral ratios to minimize intervention. Developers can script monitoring with wallet watchers or price oracles, triggering top-ups or repayments from multisig workflows. Whether you’re coding bots, coordinating expenses, or planning campaigns, the process is the same: secure liquidity from your balance sheet, keep an eye on your collateral buffer, and repay on your schedule—without bank queues or paperwork.