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Unlock liquidity while keeping your investments intact. Borrow against your crypto in USDC using BTC as collateral.
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Apply for a Crypto-Backed Loan and get a decision fast.
Use your BTC as collateral to receive your Loan in USDC
Our product is very competitive on the market, like no other.
Start by using our loan calculator to estimate your terms, then create an account and complete identity verification. Once verified, deposit your collateral BTC and submit your loan application. Most applications are approved within 2-4 hours during business days.
The minimum collateral value depends on your desired loan amount. Since we lend at 60% LTV, you'll need approximately $33,333 worth of crypto to secure a $20,000 loan. Use our calculator to see exact collateral requirements for any loan amount.
No traditional credit check is required since your cryptocurrency serves as collateral. However, we do perform basic identity verification and may review your financial background for larger loan amounts to ensure compliance with regulations.
Yes, complete our online application to receive pre-approval with your maximum loan amount and estimated terms. Pre-approval is valid for 30 days and helps you move quickly when you're ready to borrow.
After submission, our team reviews your application and collateral deposit. You'll receive email updates on your application status. Once approved, loan funds are transferred to your specified wallet address within 1-2 hours.
Interest rates are based solely on your chosen loan term, ranging from 15% (1 month) to 8.375% (24 months). Unlike traditional loans, your rate isn't affected by credit score, income, or other personal factors - only the loan duration matters.
A margin call occurs when your collateral value drops and your loan-to-value ratio exceeds safe limits (typically around 75-80%). You'll need to either add more collateral or partially repay the loan to restore the proper ratio and avoid liquidation.
Yes, you can request a loan extension before your current term expires. Extensions are subject to approval and may involve updated terms based on current market conditions. Contact support at least 5 business days before your loan matures.
If your collateral appreciates significantly, you may be eligible to borrow additional funds against the increased value, or you could request a partial collateral release while maintaining the required LTV ratio.
No, we don't charge prepayment penalties. You can repay your loan early to save on interest costs, and your collateral will be released immediately upon full repayment confirmation.
Loan Amount is the principal sum of USDC (stablecoin) you want to borrow. This is the actual money transferred to your wallet, ranging from $20,000 to $1,000,000. It's the base amount used to calculate your interest payments and collateral requirements.
Total Loan Repayment is the complete amount you'll pay back over the entire loan term.
Interest Rate is your annual percentage rate (APR) based on your selected loan term. Our rates are fixed and predetermined: 15% for 1-month loans decreasing to 8.375% for 24-month loans. This rate determines your monthly interest payment amount.
Origination Fee is a one-time upfront cost charged when your loan is funded. For BTC collateral: 1% (1 month), 1.5% (2 months), or 2% (3+ months). For ETH collateral: always 0.5%. This fee is deducted from your loan proceeds.
LTV is the percentage of your collateral's value that you can borrow, fixed at 60% for safety. If you deposit $100,000 worth of Bitcoin, you can borrow up to $60,000. This ratio protects against cryptocurrency price volatility and provides a safety buffer.
Longer loan terms provide more predictable cash flow for lenders and reduce administrative costs per dollar lent. However, while the rate is lower, you'll pay more total interest over time. A 24-month loan at 8.375% costs more in total interest than a 12-month loan at 9.875%.
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