Holding stablecoins can feel like the best of both worlds: you are in crypto, but your value stays close to 1:1 with a fiat currency like the euro or dollar. Stablecoins are designed to track traditional currencies and reduce volatility compared with assets like BTC or ETH.
But what happens when you suddenly need cash in EUR for rent, invoices, or a tax bill, and most of your funds sit in USDC or EURC? Many freelancers, remote workers, and expats are now paid in stablecoins. They often end up converting to fiat again and again just to cover everyday expenses.
A more strategic approach is to use a stablecoin loan so you can quickly access liquidity in euros, dollars, pounds, or any other fiat.
This guide explains how that works, when it makes sense, and how products like Nebeus’ StableLoan fit into the picture.
The Problem - Converting Stablecoins to Fiat Is Not Always Efficient
Converting stablecoins to fiat is a simple process: send USDC to an exchange, sell it for EUR, and withdraw to your bank. But this is without taking into consideration the whole picture.
With exchanges and withdrawals there are fees every time you cash out. Also, in many countries, there are taxable events whenever you dispose of crypto by selling or swapping it for another asset. Across much of Europe, selling crypto for fiat or trading it for another coin can be taxed as a capital gain event.
If you are paid monthly in USDC, that could mean 12 separate disposal events per year just from converting to EUR.
If your goal is simply to get short term liquidity in euros, repeated conversions from stablecoins to fiat might be the least efficient route from a cost and compliance perspective.
This is where a stablecoin loan can become a smarter tool.
Let's look into it.
The Solution - Borrow Against Stablecoins Instead of Selling
Stablecoin borrowing is known as a stablecoin backed loan or stablecoin collateral loan. You deposit your stablecoins as collateral on a platform, and in return you receive a cash loan - for example, in EUR.
Why is borrowing the best strategy?
- Avoid taxable events
In many jurisdictions, that means you do not trigger capital gains tax just by taking the loan. - Keep your market exposure
You still own the underlying stablecoins that secure the credit. You can repay the debt and unlock them later, instead of having sold them permanently. - Access instant liquidity in fiat
Stablecoins keep a price that is close to 1:1 with a currency like EUR or USD. That makes them much easier and safer for lenders to work with than highly volatile coins. Because of this, lenders are happy to accept stablecoins as collateral.
For many users this is a form of crypto tax efficient borrowing - you are using the value of your crypto without necessarily locking in your profits.
Important: Tax rules differ by country, and borrowing can still have tax implications in some cases. Always check with a qualified tax advisor in your jurisdiction.
When to Use a Stablecoin-Backed Loan
1. Covering daily expenses while you wait for income
If you are a freelancer or contractor paid in stablecoins, your cash flow may be irregular:
- Big payment in USDC every few weeks
- Regular fixed expenses in EUR (rent, utilities, subscriptions)
- Occasional one-off costs like travel or equipment
Instead of selling some USDC every week, you can use a stablecoin loan to front-load a few months of expenses. This way you:
- Use stablecoin collateral for daily cash needs
- Repay the loan when the next stablecoin payment arrives
- Reduce the number of taxable conversion events and accounting entries
2. Managing digital nomad income held in stablecoins
Digital nomads and expats often receive international payments in stablecoins because they are faster and cheaper for cross-border transfers.
If you live in Europe, a stablecoin financing euro solution can help you:
- Use a loan using USDC collateral instead of cashing out every time
- Access stablecoin borrowing fiat options directly in EUR
- Keep your on-chain savings while still paying local expenses
This is essentially stablecoin liquidity euro on demand: your stablecoins stay in the crypto ecosystem, but you can unlock cash whenever you need it.
3. Accessing cash in Europe without converting crypto assets
Some users treat stablecoins as part of their long term treasury or emergency fund. Others may want to use stablecoins to access cash or a loan when they don’t qualify for a traditional one.
A stablecoin backed loan lets you:
- Leave your main holdings untouched
- Borrow against stablecoin balances for specific projects (moving home, buying equipment, bridging a tax payment)
- Repay over time without losing your strategic position in crypto
Again, the key benefit here is borrowing instead of selling.This fits especially well for users looking for crypto tax efficient borrowing rather than active trading.
How Stablecoin Loans Work - Simple Mechanics Explained
If you are new to borrowing with collateral, the process behind a stablecoin collateral loan is straightforward.
Step 1: Deposit stablecoins as collateral
Choose a supported asset (for example, USDC or EURC) and deposit it into the lending platform.
Step 2: Choose how much to borrow and for how long
Next, you decide:
- How much you want to borrow in euros
- How long you want the loan term to last
With Nebeus StableLoan, the loan term can be up to 18 months. That gives you flexibility for:
- Shorter terms if you expect fast incoming payments
- Longer terms if you want bigger purchases
At this stage, you are basically matching your stablecoin loan to your real life cash flow.
Step 3: Understand loan-to-value (LTV)
Loan-to-value (LTV) is the ratio between the loan amount and the value of your collateral. For example:
- You deposit €10,000 worth of EURC as collateral
- You choose one month as the Loan Term
- The platform offers a 95% LTV
- You can borrow up to €9,502.85 in fiat
Step 4: Receive your funds in fiat
Once you confirm the terms:
- Your stablecoins are locked as collateral
- Nebeus sends you the loan amount to your account, for example in EUR
- You can then transfer those funds to your IBAN and use them for daily expenses, bills, or other needs
Afterwards, when the stablecoin loan is fully repaid, your collateral is released and your stablecoins will be in your Nebeus account ready to use again.
Note: Exact LTV, rates, supported stablecoins, and eligibility criteria depend on Nebeus’ current product terms and your country of residence. Always review the latest conditions on the Nebeus app.
The Best Loan Fit - StableLoan by Nebeus
Nebeus’ StableLoan product is designed for everyday use rather than just speculative trading and it is positioned around three core pillars:
1. High LTV on stablecoins
Because collateral is in stablecoins, Nebeus can offer a competitive loan-to-value range compared with volatile assets. You get more usable capital from the same deposit, which is ideal to cover real world expenses.
2. Low interest rates
The focus is on predictable, accessible borrowing, not on short term yield hunting. StableLoan is built around low, transparent interest, so you always know what you are paying and why.
3. Flexible usage in Europe
StableLoan is designed for people who live, spend, and get paid in Europe but hold part of their savings in stablecoins.
You can explore different scenarios and see how much you could borrow by checking out StableLoan directly on Nebeus.
Tax Efficiency - Borrowing ≠ Selling
One of the biggest advantages of a stablecoin loan is how it fits into a more tax-aware strategy.
In many countries, crypto is taxed when you dispose of it - that usually means selling it for fiat, swapping it for another coin, or sometimes even spending it directly on goods or services.
With borrowing:
✅ You keep legal ownership of the stablecoins
✅ You have not sold them at a gain or loss
✅ You are using debt, not disposal, to access liquidity
Always consider this section as general education, not personal advice. Before using any stablecoin borrowing fiat strategy for tax planning, speak with a qualified tax professional in your country.
Quick Guide - How to Get a Stablecoin Loan
Here is a simple, step by step overview of how to unlock stablecoin liquidity euro with a platform like Nebeus’ StableLoan.
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FAQs
Q - Can I borrow against my stablecoins?
Yes. Many platforms, including Nebeus with its StableLoan product, let you borrow fiat, for example euros, by using your stablecoins as collateral. This is usually called a stablecoin collateral loan. You deposit assets like USDC or EURC, agree to a loan-to-value ratio, and receive euros in your Nebeus account.
Because you are borrowing instead of selling, this approach is often used for crypto tax efficient borrowing, but you should always confirm the tax treatment with a professional in your country.
Q - How do I get a stablecoin loan with Nebeus?
You choose the stablecoins you want to use as collateral, set how much you want to borrow and select a loan term. Then you confirm the offer, lock your stablecoins, and receive the loan amount in EUR. You can transfer the funds to your IBAN and repay the loan over time. When the loan is fully repaid at the end of the term, your stablecoins are released back to you.
Q - Do I keep my stablecoins when I take a stablecoin loan?
Yes. Your stablecoins remain yours but are locked as collateral while the loan is active. As long as you follow the loan terms and repay on time, your stablecoins are released back to you at the end of the loan.
Conclusion - A Stable Way to Stay Liquid Without Letting Go Of Your Crypto
Stablecoins were created as a bridge between volatile crypto assets and traditional money. When you combine them with a stablecoin loan, they become more than just a balance in your wallet: they turn into a flexible safety net you can tap into whenever you need extra cash.
Instead of selling your crypto every time you need euros, you can:
✅Borrow against your stablecoins and keep ownership
✅Get EUR liquidity straight to your IBAN
✅Avoid constant conversions and potential tax headaches
✅Match repayments to how and when you get paid
For freelancers, remote workers, digital nomads, and people who can’t access traditional loans, this is a practical way to connect the crypto world and the fiat world without constantly cashing out.
If you already hold USDC, EURC, or other supported stablecoins and want to see how far they can take you, exploring a stablecoin loan is a natural next step.
Check your options with Nebeus StableLoan, run the numbers, and see how much liquidity you could unlock without selling your crypto.
Disclaimer: This article is for informational and educational purposes only. It does not constitute financial, investment, or tax advice, nor an offer or recommendation of any product. Always consult a qualified financial or tax professional before making decisions involving financial products or cryptoassets. Product terms and availability may vary depending on your country of residence and regulatory status.
