How it works
From pledge to payout in about an hour.
No forms, no documents, no calls. You choose your terms with every number in front of you, pledge your crypto to an address you can verify, and receive euros, dollars, pounds or Swiss francs by bank transfer.
At a glance
- Open your account1 minute
- Choose your termsInstant
- Collateral credited≈ 20 minutes for BTC
- Funds sent to your bankWithin the hour
No documents · No email · No phone
Step 1 · 1 minute
Open a private account.
We generate a 16-digit account number for you. Add a password and, if you like, a passkey or an authenticator app. That is the whole sign-up.
- No identity documents, selfie, proof of address or credit check.
- No email address or phone number: alerts and messages stay in your client area.
- A recovery kit to download and keep offline: it is the only way to restore access.
4831 2207 9154 6602
Keep it safe: we can’t reset it — we don’t know who you are.
Step 2 · Instant
Choose your terms, with every number first.
Pick the amount, the currency, the collateral and how much of its value you borrow. Before you commit, you see your rate, your interest and the prices that would trigger a margin call or a liquidation.
- €1,000 to €2,000,000, or more with our private desk.
- A credit line you draw and repay freely, or a fixed-term loan of 6 or 12 months.
- Your offer is confirmed in your client area before you accept the loan and pledge agreement.
- You receive
- €25,000 by SEPA Instant
- You pledge
- 0.6774 BTC 50% loan-to-value
- Rate
- 10.9% APR all-in, no fees
- Interest
- €227.08 a month or added to the loan, as you prefer
- Margin call if BTC falls to
- €52,723 −29% · 72 hours to act
- Partial liquidation at
- €46,133 −38% · only what is needed is sold
Step 3 · Minutes
Pledge your collateral to an address you can verify.
Each loan gets its own deposit address. Your collateral is credited once the network confirms it, and stays there until you repay.
| Collateral | Network | Credited after | Typical time |
|---|---|---|---|
| Bitcoin BTC | Bitcoin | 2 confirmations | About 20 minutes |
| Ethereum ETH | Ethereum | 64 blocks | About 13 minutes |
| Solana SOL | Solana | Finalized | Under a minute |
| Tether USDT | Ethereum | 64 blocks | About 13 minutes |
| Tether | Tron | 20 blocks | About 1 minute |
| USD Coin USDC | Ethereum | 64 blocks | About 13 minutes |
| USD Coin | Solana | Finalized | Under a minute |
One address, one network
Use only the address and network shown for your loan. A transfer on another network, or of another asset, may be lost.
Test first if you wish
For a large pledge, you can send a small amount first and the rest once it has been credited.
Verifiable on-chain
Your collateral is never lent, staked or reused. Check its address on any block explorer, whenever you like.
Step 4 · Within the hour
Receive your money by bank transfer.
As soon as your collateral is credited, your loan is sent to the bank account you choose, typically within the hour. Your bank’s own processing can add time on rails that do not run around the clock.
- Enter the beneficiary name exactly as your bank holds it: banks now check that the name matches the account.
- No fee for SEPA and Faster Payments; SWIFT, Fedwire and SIC are charged at cost.
- Keep your loan agreement and payout statement: they document where the money comes from if your bank asks.
| Currency | Paid by | Usually received |
|---|---|---|
| EUR Euro | SEPA Instant · SEPA | Seconds by SEPA Instant where your bank supports it; otherwise next business day |
| USD US dollar | SWIFT · Fedwire | Same or next business day |
| GBP Pound sterling | Faster Payments | Usually within minutes, 24/7 |
| CHF Swiss franc | SIC · SWIFT | Same or next business day |
During your loan
Everything in one private place.
Your client area shows your position live and is the only channel we use to reach you.
Live loan-to-value
Your LTV, margin-call price and liquidation price, updated with the market around the clock.
Alerts without email
Warnings in your client area from 65% loan-to-value and, if you allow them, browser notifications.
Top up or draw more
Add collateral to lower your LTV, or draw more on a credit line while your LTV allows it.
Statements
Your agreement, interest statements, payouts and collateral receipts, ready to download.
Human advisors
Secure messages answered by people, 7 days a week. Never a bot pretending, never a phone call.
Your keys to the door
Passkeys, authenticator app and control of your active sessions.
If the market falls
You are warned early, and given time.
A fall in the price of your collateral raises your loan-to-value. Nothing happens until clear thresholds are reached, and even then we sell only what is needed.
- < 65%Healthy. Nothing to do.
- 65%Early warning in your client area.
- 70%Margin call: 72 hours to top up or repay part, otherwise only enough is sold to return to 65%.
- 80%Partial liquidation: only enough is sold to return to 65%.
- 90%Full liquidation. Any surplus is returned to you.
Thresholds for bitcoin, ether and Solana. USDT and USDC have their own, wider bands.
When you are ready
Repay, and your collateral comes home.
Repay whenever you like, in full or in part, without any fee. Interest stops on the day your repayment arrives.
Send your repayment
By bank transfer in your loan currency, using the reference shown in your client area, or in USDT or USDC.
Choose where your collateral goes
Any address you control, on the network of your collateral. The network fee is charged at cost and shown before you confirm.
Your collateral is released
Typically within the hour of your repayment being received in full. A partial repayment simply lowers your loan-to-value.
Questions
Process questions.
Anything else? Our advisors answer by secure message from your client area, 7 days a week.
Help centreHow long does the whole process take?
About an hour for most clients. Opening an account takes a minute and choosing your terms is instant. The rest depends on the network: bitcoin deposits are credited after 2 confirmations (about 20 minutes on average), ether after 64 blocks (about 13 minutes). Your loan is then typically sent within the hour.
What do I need to get started?
Only the crypto-assets you want to pledge and the details of the bank account that will receive the loan. No identity document, email address, phone number, proof of address or income is ever requested.
Can I see my rate before opening an account?
Yes. The loan calculator shows your rate, monthly interest, the collateral needed and your margin-call and liquidation prices with live prices, without any sign-up.
When is my offer final?
Your terms are confirmed in your client area before you accept the loan and pledge agreement. Nothing is binding until you accept it, and you can still change the amount or the loan-to-value at that point.
Can I add collateral or borrow more later?
Yes. You can top up your collateral at any time to lower your loan-to-value. With a credit line, you can also draw more, up to your limit, as long as your loan-to-value allows it.
How do I speak to someone?
Through secure messages in your client area, where human advisors answer 7 days a week. We never email, text or call, so you always know that a message really comes from us.
What happens when I repay?
Once your repayment is received in full, your collateral is released to the address you choose, typically within the hour. The network fee is charged at cost and shown before you confirm. There is no fee to repay early.
Keep your crypto. Get the cash.
Price your loan in seconds and receive your funds, typically within the hour.
- No KYC
- No email, no phone
- Zero fees
- Repay any time