and buy coins with it then
binance margin works exact like that, but i search for alternatives.
in binance you use usdt and pay 10,03% p.a. on the minus usdt blance
Check out Bitfinex: https://www.bitfinex.com/features#margin_funding
They have a peer-to-peer lending market for USD, EUR, and a bunch of cryptocurrencies. The market is much more dynamic than Binance, who just fixes rates where they think borrowers will pay.
Like all markets, patience pays off. Borrowers can usually get pretty favorable rates if they are willing to place lower bids on the funding order book. It's impatient traders that pay the market rate who end up paying the most.