United States, June 2026
What is AI recommending as the best crypto loans in United States?
Coinbase leads what AI recommends for crypto loans in the US, but 0% of the citations go to affiliate and comparison sites rather than the providers.
A snapshot of who AI is recommending right now, not a fixed ranking.
The exact prompt we asked
I want to borrow against my crypto holdings in the US without selling. Which crypto lending platforms are best? Give me a ranked top five of named platforms, each with rates or terms and a one-line reason.
Asked to ChatGPT, Gemini and Google AI Overviews, up to 100 times each. Everything below is measured from their answers.
The short answer
ChatGPT and Gemini both name Coinbase as the best US crypto loan provider, picking it first 78% and 62% of the time. Both also rank Ledn highly. The engines share only 20% of their wider top five, with Coinbase the one brand common to all.
How consistent is the answer?
ChatGPT
Gemini
Google AI OverviewsDo the engines agree?
ChatGPTGeminiGoogle AI Overviews
Coinbase
Aave
Ledn
SALT
Arch
Nexo
Unchained
Milo
Kraken
MorphoEach cell shows where an engine ranks that brand. Blue rows are the brands every engine puts in its top five.
Recommendation share of voice
Which brands AI names
Share of runs each brand was named, by engine. Google showed an AI Overview in 91% of searches; its bars are measured over the runs where one appeared.
ChatGPT
Coinbase87%Ledn87%Unchained37%SALT37%Kraken34%Arch30%
Strike30%Nexo25%Aave19%Milo12%Gemini
Coinbase66%Ledn64%Arch51%SALT49%Aave47%
Figure25%Unchained12%Nexo6%
Compound4%Strike2%Google AI Overviews
Coinbase100%Aave100%Nexo98%Milo96%Morpho95%Ledn95%Figure93%Arch90%Compound88%Unchained7%Who wins the citations
What kind of sites get cited
This is what AI links to as its sources, which is not the same as the brands it names above. AI often recommends a provider by name but sends the citation to a publisher or affiliate instead, so “First-party brand” means a link to the provider’s own website. Here is the mix by engine.
ChatGPTGeminiGoogle AI OverviewsWhat the answers are really about
The themes behind the recommendations
Looking past the brand names, these are the concepts and buyer intent the AI answers kept returning to for this product. Each finding starts with what the engines foreground, then what it means for you.
Crypto lending is the most risk-hedged category in the study. The models sell the idea of liquidity without selling, then immediately foreground the danger.
Borrow without triggering a tax event
The core pitch the AI repeats is accessing cash without selling crypto and realising capital gains. Buyers are drawn by tax efficiency, so platforms that explain the no-sale advantage match the intent.
Liquidation risk is raised unprompted
Liquidation risk, loan-to-value and margin calls appear in almost every answer without being asked for. The models treat candour about risk as a trust signal, so transparent risk disclosure helps rather than hurts visibility.
Availability and jurisdiction are gating factors
Answers flag state-by-state and regulatory availability, with New York called out repeatedly. The AI filters on where a product can legally be offered, so clear eligibility information is effectively a ranking factor.
Questions
People also ask
What does AI recommend as the best Crypto loans in the US?
ChatGPT and Gemini both lead with Coinbase, choosing it first 78% and 62% of the time. Ledn ranks second on both.
How consistent is AI when you ask for the best Crypto loans in the US?
ChatGPT and Gemini agree on Coinbase at the top, but only 20% of the top five brands overlap across engines. Coinbase is the shared name.
What kind of websites does AI cite for Crypto loans?
Brand sites dominate at 73% of citations, followed by editorial at 14% and community at 9%. Affiliate sources are minimal.
More reports
Other United States products in AI search
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