Celsius Network is a centralized cryptocurrency lending and borrowing platform. The service enables digital currency investors to earn interest on their crypto holdings and borrow against them. CEL, or CEL token, is the native token of Celcius Network. The Ethereum-based ERC-20 token takes the ticker symbol CEL at exchanges. Holding CEL in a Celcius Network account allows investors to maximize their expected returns and reduce the interest payments required to loan funds. CEL holders can expect up to a 30% discount on interest payments and as much as 25% in extra rewards, according to the project's website.