How Bitcoin-Backed Loans Work

Everything you need to know about borrowing against your Bitcoin

What is a Bitcoin-Backed Loan?

A Bitcoin-backed loan allows you to borrow cash using your Bitcoin as collateral. You maintain ownership of your Bitcoin while accessing liquidity for your needs.

Unlike selling your Bitcoin, a loan lets you keep your position in the market while still accessing the value of your holdings.

How It Works

  1. 1.Apply online with basic information about your loan needs
  2. 2.Transfer your Bitcoin to our secure custodial wallet
  3. 3.Receive your loan funds within 18 hours on average
  4. 4.Repay at your convenience - no monthly payments required
  5. 5.Get your Bitcoin back when you close your loan

Key Benefits

  • ✓No credit checks required
  • ✓Competitive 12.4% APR interest rate
  • ✓No monthly payments - pay when you're ready
  • ✓Keep your Bitcoin exposure and potential upside
  • ✓Secure custodial storage - your collateral is never lent out

Loan-to-Value (LTV) Ratio

Your LTV ratio determines how much you can borrow against your Bitcoin. We typically offer loans up to 50% LTV, meaning you can borrow up to half the value of your Bitcoin collateral.

If Bitcoin's price drops and your LTV increases, you can top up your collateral or make a partial repayment to maintain a healthy ratio.

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