100Pay Staking & Borrow Lets You Earn Up to 24% APY — Then Borrow Against It Without Selling
Launched in November 2025, the product lets users stake stocks, currencies, and gold for high-yield returns, then unlock instant liquidity against their holdings at 3% monthly interest
Today, we spotlighted the growing adoption of 100Pay Staking & Borrow, a dual-purpose financial product that has been reshaping how investors think about idle assets since its November 2025 launch. With Staking & Borrow, users earn yields of up to 24% APY on their holdings — and can borrow up to 75% of their staked value at any time, without selling a single asset.
The product addresses one of the most persistent tensions in personal finance: the opportunity cost of holding. Assets parked in an investment account generate no immediate utility. Liquidating them to access cash triggers taxes, closes positions, and removes exposure to future upside. 100Pay Staking & Borrow resolves this by making held assets do two jobs at once — growing in value while simultaneously serving as collateral for instant credit.
Stake More Than Crypto
Most staking products in the market are limited to cryptocurrencies. 100Pay Staking & Borrow takes a broader view of what an asset can be. Users can stake a diverse range of holdings including:
- Currencies — local and foreign currency positions held within the 100Pay ecosystem
- Stocks — equity holdings accessible through the Portfolio by 100Pay app
- Gold — a store of value that has historically been difficult to monetise without physical sale
All eligible assets can be staked to earn yields of up to 24% APY, with returns that compound as the portfolio grows. This makes 100Pay Staking & Borrow one of the few platforms offering high-yield staking on traditional asset classes alongside digital ones — a proposition that opens the door to a much wider base of investors than crypto-only alternatives.
Borrow Against Your Portfolio — Instantly
Once assets are staked, users can access a credit line of up to 75% of their staked value — on demand, with no approval wait, no paperwork, and no requirement to unwind any position. Loans are disbursed in USDC, USDT, NGN, or USD, giving users the flexibility to access liquidity in the currency that suits their immediate need, whether that is settling a Naira-denominated expense or making a dollar-denominated purchase abroad.
Borrowing starts at just 3% monthly interest — straightforward, transparent pricing with no hidden fees. Users repay on their own terms, and their staked assets continue earning yield throughout the loan period, partially or fully offsetting the cost of borrowing.
This creates a compounding financial advantage: assets earn while they serve as collateral, meaning the effective cost of access to liquidity can be significantly lower than the headline rate suggests.
The Logic of the Product
Consider a user holding a diversified portfolio of stocks, gold, and stablecoins worth ₦5 million. Under the traditional model, accessing ₦1 million in cash requires selling assets, potentially at an inopportune time, paying transaction fees, and losing future exposure. With 100Pay Staking & Borrow, that same user stakes their portfolio, earns up to 24% APY on the staked value, and borrows ₦1 million (or its equivalent in USD, USDC, or USDT) at 3% monthly — while the portfolio continues to work in the background.
The result is liquidity without loss of position — a model previously available only to institutional investors and high-net-worth individuals through margin lending and securities-backed credit facilities. 100Pay makes it accessible to any user with a portfolio, regardless of size.
Part of a Unified Financial Ecosystem
100Pay Staking & Borrow is designed to work in concert with the rest of the 100Pay ecosystem. Users who borrow against their staked assets can load funds directly onto their PayCard for immediate spending. Developers building on pay402 can route payments through liquidity accessed via Staking & Borrow. The Portfolio by 100Pay app serves as the central hub for managing staked positions, monitoring yields, and initiating loans — all from a single interface.
This integration means that for 100Pay users, staking is not a siloed activity — it is the foundation of a broader financial strategy that connects investment, spending, and commerce in one place.
Availability
100Pay Staking & Borrow is available now through the Portfolio by 100Pay app. Users can begin staking assets and accessing credit immediately upon onboarding. Full product details are available at 100pay.co.
About 100Pay
100Pay is an Africa-built fintech infrastructure company providing payments, portfolio management, staking, lending, and card services for individuals and businesses. Its ecosystem spans PayCard, pay402, NanoChat, and Portfolio by 100Pay — all united by a single mission: to give every user the financial tools to invest, earn, spend, and borrow without friction.
Website: https://100pay.co Contact: [email protected]
Staking yields and borrow rates are subject to change based on market conditions and product terms. Borrowing involves risk; users should assess their ability to service loans before proceeding. This release does not constitute financial or investment advice.
