She earned a BS in Business Administration and Marketing from California State University and enjoys travel, hiking and yoga in her spare time. Celsius members can rapidly get permitted for loans at discounted charges. Others who want to put their belongings to work can pledge not to withdraw them — much like certificates of deposit — and earn curiosity on their staked deposit. Or they use their cryptocurrency as collateral and get “flash loans” immediately. The breadth of DeFi companies the Celsius presents is thrilling to see.