Coincheck Lending

Not applicable

Contractual maturity/return terms and continued operation do not prove universal realized repayment or solvency. The product itself discloses unsecured counterparty risk and the possibility that lent assets may not be returned if Coincheck fails.

Estimated recovery

Not applicable

Repayment started

—

Repayment completed

—

Confidence

High

Platform-owned

Coincheck warns that lent crypto may not be returned if the company fails. Current rates, lending terms and borrowing-capacity limits can change. Coincheck's exchange-business registration must not be presented as principal protection for this separate lending contract.

Affected product

Coincheck 貸暗号資産サービス

Confidence

High

Current first-party materials define Coincheck Lending as a crypto-asset consumption-loan contract and expressly state that crypto borrowed under the lending product is not subject to the segregated-management framework for Coincheck's crypto-asset exchange business. The contract is unsecured and the service is not a deposit or deposit-insurance product. CYA therefore treats the economic structure as platform-owned / borrower-counterparty exposure during the loan. This does not independently determine legal title or insolvency priority beyond Coincheck's published contract/risk description.

Source: 貸暗号資産サービス

The reviewed first-party evidence confirms the product existed by a 2023-03-22 lending-terms amendment and remains active in 2026, but does not establish a sufficiently reliable exact original launch day. No launch date or launch event is invented. Current annualized rates, borrowing capacity and product availability may change.