Coming Soon

Updated Celsius Network Roadmap

Estimated DateFeature/Product Launch
Q3 2022VISA Credit Card for all US users
(currently being printed and app being finalized)
Through 2022Fiat on-ramp for 40+ US States
(fee free via Wyre)
Staking (DeFi) for US users
Swaps for more countries
More asset support
CelsiusX development
Celsius Mining IPO

New Assets

Celsius Network continually adds supported crypto assets to its platform. The 5 upcoming additions in early 2022 include:

  • Hedera Hashgraph (HBAR)
  • Flare Network (SPARK)

Here are the current prices of assets to be listed soon on Celsius:

The most recent additions include:

  • (YFI)
  • Curve (CRV)
  • Maker (MKR)
  • BadgerDAO (BADGER)
  • Convex Finance (CVX)
  • Solana (SOL)
  • Songbird (SGB)
  • Dogecoin (DOGE)
  • Avalanche (AVAX)
  • Tezos (XTZ)
  • Wrapped Bitcoin (WBTC)
  • SushiSwap (SUSHI)
  • 1inch (1INCH)
  • Cardano (ADA)
  • Binance Coin (BNB)
  • Terra (LUNA)

*In addition, US accredited investors will be able to earn in-CEL in 2022!

Celsius Credit Card

An amazing new Celsius credit card powered by VISA will be launching in 2022 (currently wait list). You will be able to earn when you spend and earn when you don’t!

Earn weekly rewards on your crypto collateral with the new Celsius credit card. Users will be able to pay their credit card balance with fiat, rewards, or stablecoins. Flexibility is the key and the choice is yours!

The brand new Celsius VISA credit card will have

  • no annual fees
  • no late payment fees
  • no foreign transaction fees
  • no ATM fees.

Fiat On-Ramp and Off-Ramps

Currently, there is no fiat currency support in the Celsius wallet. However, a fiat on-ramp and off-ramp is currently under development and will be launched after the Celsius in-app swaps feature. The functionality will include:

  • fiat currency support within wallet (USD, Euros etc)
  • fiat on-ramp
  • fiat off-ramp

The ability to onboard your dollars (fiat on-ramp) directly into Celsius is coming in before the end of 2021.

UPDATE (November 23rd, 2021): Celsius Network to launch fiat on-ramp for December 15th, 2021 via ACH (delayed from original December 5th soft launch). The current roadmap is to release fiat on-ramp to US users first, then Australia and the UK. No mention of other countries or jurisdictions yet.

Split Yield Feature

A much talked about feature that many Celsians would like to see added this year is ‘Split Yield’ functionality. By early 2022, Celsius expects to announce and launch a new split yield feature whereby a user can decide what percentage of a single asset will earn in-kind versus in-CEL.

For example: a user has 10 Ethereum (ETH). Some possibilities include…

  • 50% earning in-kind (ETH) and 50% earning in-CEL > that’s 5 ETH earning in-kind and 5 ETH earning in-CEL
  • 25% earning in-kind (ETH) and 75% earning in-CEL > that’s 2.5 ETH earning in-kind and 7.5 ETH earning in-CEL
  • or any combination of ratios

Earn In-(Any Coin You Want) Feature

Another feature mentioned on multiple AMAs is the ability for users to choose the reward asset being paid out for each digital asset they hold.

For example: a user can choose to earn BTC on ETH, or MATIC on USDC etc.

Multi-Collateral Crypto Loans

Currently, Celsius users can only take out a crypto-backed loan using 1 asset as collateral. However, Celsius will be implementing multi-collateral loans soon. This will allow borrowers the ability to use multiple assets as collateral for 1 loan.

Currently, the minimum stablecoin loan is $500 (and much higher for fiat loans) and the highest loan-to-value (LTV) is 50%. Therefore, a user must have at least $1,000 worth of 1 asset in order to get a crypto-backed loan.

When Celsius adds multi-collateral crypto loans, a user can have multiple assets totaling $1,000 to get a $500 stablecoin loan (with 50% LTV).

Web App

A few features will be rolled out to the brand new Celsius Web App by the end of the year. These include:

  • night-mode (already released)
  • Yubikey integration for web app for extra security (by end of year)
  • borrow section (apply and close loans as well as extend and request reverse margin calls)
  • promo codes (enter new ones and check on locked, claimed and cancelled status of existing ones)
  • CelPay transfers
  • referrals
  • Celsius community stats

Accredited US Investors

It is expected that accredited US investors will be able to earn in-CEL in December 2021. This will include purchasing CEL tokens on a centralized or decentralized exchange or in the Celsius app. Supported assets for US customers will also have options to earn in-kind or in-CEL for accredited US investors.

Requirements for Accredited Investors

As mentioned in previous articles, the requirements to be an Celsius accredited US investor varies from not only one State to another, but also from one jurisdiction to another. It is defined by the local market regulator (or LMR) or an authority that can establish a certification for these investors. The SEC in the United States specifies the requirements to become an American accredited investor in Rule 501 of Regulation D. See below for ways to become a Celsius accredited US investor. You only need to satisfy one of the following criteria:

Annual Income

The most common definition of an accredited investor is a person who has an annual income that exceeds $200,000 USD for the previous 2 tax years. For joint income (for married couples or common-law who file their taxes together), the annual income must exceed $300,000 USD for the previous 2 tax years. Also, there must be an expectation that the income remains the same or is even higher in future tax years. This is true for Celsius to consider you an accredited investor in the US.

Net Worth

Another way to become a Celsius accredited USD investor is to have a net worth over $1 million. This can be you as an individual or jointly (for married couples or common-law who file their taxes together). An person’s net worth is simply the value that is left after subtracting all liabilities from assets.

Other Criteria

The Securities Commission in the United States also considers a person to be an accredited investor if they are a general partner, executive officer, or director for the company that is issuing the unregistered securities.

In addition, a company or entity is considered an accredited investor if it is a private business development company or an organization with assets exceeding $5 million.


A self-insurance product is in development. Wouldn’t it be great to have some more peace of mind when it comes to deposits into Centralized Finance (CeFi) platforms where you don’t own or control your private keys? The new and unique Celsius self-insurance product will give users this peace of mind when depositing assets.

Currently, Nexus Mutual is the biggest and most established crypto insurance platform, but it is expensive and not completed tested over time. Therefore, the new Celsius self-insurance product will be a game changer.

Equity Crowdfunding

UPDATE (November 24th, 2021): Celsius Network Expands its Series B From $400 million to Oversubscribed $750 million!

An additional $300 million will be spent on Bitcoin mining strategies to produce more yield for the community. In addition, some of the Series B equity crowdfunding proceeds will be used on their CelsiusX by Celsius Network protocol, a bridge between CeFi and DeFi.

Another round of Celsius crowdfunding will be coming before the end of 2021 (more information coming late 2021).

Unlike previous rounds of equity raise, the Celsius equity crowdfunding will NOT be through the BnkToTheFuture platform for accredited investors. Celsius is in the process of looking for another platform or crowdfunding company to facilitate the new equity round. Stay tuned!

Quote from BnkToTheFuture regarding Celsius’ equity crowdfunding: “We are partners with Celsius on our new product offerings and have shared with them some key deadlines. Hopefully the lead investors can time it with our deadlines but we want what is best for Celsius. If everything lines up on time we are here to support Celsius.”