A fintech company says it has reached several milestones that help crypto enthusiasts capitalize on the current bull market, as it complements its crypto lending service with wallets, blockchain integration and crypto-fiat conversions.

YouHodler offers cash loans of up to $30,000 to consumers who are willing to use their cryptocurrency as collateral. As previously reported by Cointelegraph, this gives people the chance to unlock liquidity and access funds without selling their assets.

The platform says suggestions from its community are instrumental in its ambition to unveil new features — and as a result, it is now accepting Stellar (XLM) as a collateral option for its crypto loans. YouHodler adds that the inclusion of XLM means “all major cryptocurrencies” are offered as collateral, making loans easier to access and enabling consumers to reinvest in the market, if they so wish. The company says that further coins, tokens and stablecoins will be added in the future, in line with demand.

YouHodler has also unveiled crypto-to-crypto and crypto-to-fiat conversions on its platform, giving its users the ability to convert Bitcoin (BTC), Bitcoin Cash (BCH), Bitcoin SV (BSV), Ripple (XRP), XLM, Ethereum (ETH) and Litecoin (LTC) to dollars or euros. From here, the funds can be instantly withdrawn to their credit or debit card.

The platform’s CEO, Ilya Volkov, said: “With the addition of debit/credit card integration and crypto-fiat conversions, users can quickly receive a fiat loan and instantly withdraw it to their debit or credit card. This efficiency is especially helpful in a growing market like we’re seeing now.”

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He went on to say, “Alternatively, users can receive a fiat loan, and convert it to a crypto of their choice inside the YouHodler platform itself, giving users yet another opportunity for leveraging and hedging their assets.”

The platform also hopes to unveil new payment systems for its users and launch its own credit card by the end of 2019. YouHodler says this service would enable consumers to take out a loan and have the cash available on their credit card balance, with a credit card limit of up to 30,000 euros. It would offer an annual percentage rate of 16%, along with no monthly fees.

The crypto spring

YouHodler says it is rolling out its services in response to the crypto spring. Over a limited time period, users are also being offered a preferential loan-to-value ratio to enable users to unlock more cash for their crypto collateral. For consumers, the platform says that “the main goal is to capitalize on this growth without having to sell current crypto assets.”

In April and May, YouHodler’s team says it plans to unveil new payment systems and add further cryptocurrencies as collateral. The platform also aspires to expand its user base and launch partnerships with traditional banking institutions so that more sustainable payment solutions are afforded to those in developing countries.

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