## What is CoinLoan (CLT)?

CoinLoan is a European crypto-lending platform, acting under the license of the Estonian Financial Authority since 2017. Interest-earning deposits, fiat & crypto loans, and exchange services by CoinLoan are available worldwide, including the US, UK, and major EU countries. 
CLT, CoinLoan native utility token, provides users with better interest rates by adding 2% to the basic annual interest. It also decreases the borrowing fees paid in CLT by 50%.
 
## Which Services Does CoinLoan Provide?
 
There are three main services that CoinLoan offers: interest-earning accounts, crypto & fiat lending, and crypto exchange. 
 
* Instant Loan (CoinLoan Borrow) - a service for crypto-backed loans with 20% to 70% loan-to-value (LTV) ratio and 1 to 36 months loan duration period.
* Interest Account (CoinLoan Earn) - a service that provides users with the ability to deposit their funds (both crypto and fiat) with up to 12.3% annual interest depending on the selected asset.
* Exchange (CoinLoan Trade) - a service that allows users to exchange crypto assets, stable coins, and fiat currencies supported by the platform.
 
## Who Are the Founders of CoinLoan?
 
CoinLoan was founded in 2017 by [Alex Faliushin](https://www.linkedin.com/in/alexfaliushin/) and [Max Sapelov](https://ee.linkedin.com/in/sapelov), and has headquarters in Tallinn, Estonia. According to CoinLoan’s website, the product is [compliant]((https://coinloan.io/licenses/)) with modern financial regulations standards.
 
## Where Can I Buy CoinLoan Token (CLT)?

CoinLoan Token (CLT) can be bought on [Bittrex](https://coinmarketcap.com/exchanges/bittrex/), [Uniswap](https://coinmarketcap.com/exchanges/uniswap-v3/), [HitBTC](https://coinmarketcap.com/exchanges/hitbtc/) and [Hotbit](https://coinmarketcap.com/exchanges/hotbit/) exchanges for BTC, ETH and USDT. Additionally, CLT can also be [bought](https://app.coinloan.io/exchange) directly from CoinLoan platform for crypto, stablecoins and fiat currencies.

## How Many CoinLoan (CLT) Coins Are There in Circulation?

[CoinLoan](https://coinmarketcap.com/currencies/coinloan/) (CLT) has a maximum supply of 22,000,000 tokens, with 1,950,000 (9%) in circulation. It is an Ethereum-based ERC-20 token.
 
## Is CoinLoan Safe to Use?
 
[BitGo](https://www.bitgo.com/case-studies/coinloan/) custody stores CoinLoan customers’ assets covering them with $100 million  Lloyd’s insurance cover. The assets are claimed to be stored in offline, cold, multi-signature wallets. CoinLoan implements the essential security layers to protect customers' funds, including secure cloud infrastructure, modern encryption standards, DDoS protection, regular vulnerability scans, 2FA.
 
## Related Pages
 
Learn more about crypto lending [here](https://coinmarketcap.com/alexandria/article/what-is-crypto-lending).
New to cryptocurrency? Find all the information you need with [Alexandria](https://coinmarketcap.com/alexandria/categories/crypto-basics), CoinMarketCap’s dedicated education resource.
Read CoinMarketCap’s [easy guide](https://coinmarketcap.com/how-to-buy-bitcoin/) to buying Bitcoin or any other token.
 
 
 




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sUSD is a synthetic USD token enabled by the Synthetix protocol. It tracks the price of the US Dollar through price feeds supplied by Chainlink’s decentralized network of oracles. sUSD is integrated across the DeFi ecosystem as one of the most liquid decentralized stablecoins, including at Curve. It can be traded without slippage for other assets native to the Synthetix protocol at Kwenta or Synthetix.Exchange.

sUSD

Celo Dollar

EOSDT

Peercoin, also known as PPC or Peer-to-Peer Coin, was created by Sunny King and his team and launched in August 2012. It is the first blockchain to implement Proof-of-Stake consensus.

The primary inspiration behind the creation of Peercoin was to address a number of perceived shortcomings of Bitcoin, including energy efficiency, security and sustainability, decentralization and long-term viability.

Essentially it was designed as an enhanced replacement for Bitcoin. As such, it was originally forked from Bitcoin and uses the same UTXO style blockchain. However, Peercoin's code was modified to introduce Proof-of-Stake as its primary consensus protocol. The next section explains how this makes for a better blockchain.

Given that Peercoin uses most of the same code, it can easily port new features from Bitcoin and utilize any of the supporting infrastructure, including tech advancements like Taproot or Lightning Network. Peercoin is the only Proof-of-Stake blockchain that uses modern Bitcoin code, making it the perfect drop-in replacement.

Peercoin also has a dedicated community, is actively developed, fairly distributed, has low barriers of participation, can do everything that Bitcoin does, minus the 13 TWh of energy usage, and it's not a scam.