Crypto-backed loans
Borrow against your crypto, paid to your bank.
A credit line or a fixed-term loan against bitcoin, ether, Solana or stablecoins, paid in euros, dollars, pounds or Swiss francs. One all-in rate, no fees, and no identity documents.
- From 6.9% APR, all-in
- €1,000 to €2,000,000 and beyond
- Funds within the hour, by bank transfer
- No KYC, no email, no phone
Your loan offer
BTC €73,813
- APR, all-in
- 10.9%No fees
- Per month
- €227interest
- Margin call
- €52,723BTC −29%
- Liquidation
- €46,133BTC −38%
Paid by SEPA Instant · No sign-up to see your rate
- 6.9%APR from, all-in
- €0origination, admin or exit fees
- 80%maximum loan-to-value
- 72 hto act on a margin call
- < 1 htypical time to funds
Products
Choose how you borrow.
Same rate grid, same protections, same privacy. Only the shape of the loan changes.
-
Most flexible
Lombard credit line
Draw what you need, when you need it, and pay interest only on what you use.
- TermOpen-ended
- DrawsAs many as you like
- InterestDaily, on the amount drawn
- Best forFlexible or uncertain needs
-
Fixed-term loan
One amount, one rate locked for 6 or 12 months, and no fee to repay early.
- Term6 or 12 months
- DrawsOne payout
- InterestMonthly or at maturity
- Best forKnown needs and budgets
-
Private desk
A dedicated advisor and tailored terms for larger loans.
- From€250,000
- Rate−0.5 to −1.0 pt
- AdvisorDedicated, in your client area
- Best forLarge or complex needs
-
Companies & funds
Treasury liquidity against the crypto on your balance sheet.
- AccountA number, no documents
- Paid toThe company’s bank
- StatementsFor your accounts
- Best forCash flow, payroll, tax
Collateral
Pledge what you already hold.
Each loan has its own on-chain address in multi-signature cold storage. Never lent, never reused.
- Bitcoin Up to 60% loan-to-value · from 8.9% APR · credited after 2 confirmations Bitcoin loans
- Ethereum Up to 50% loan-to-value · from 9.4% APR · credited after 64 blocks Ethereum loans
- USDT & USDC Up to 80% loan-to-value · flat 6.9% APR · credited in minutes USDT & USDC loans
- Solana Up to 40% loan-to-value · from 10.4% APR · credited in under a minute Solana loans
Side by side
Credit line or fixed term?
| Feature | Credit line | Fixed-term loan | Private desk |
|---|---|---|---|
| Amount | €1,000 – €2,000,000 | €1,000 – €2,000,000 | From €250,000, tailored above €2,000,000 |
| Term | Open-ended | 6 or 12 months | Either |
| Payouts | Draw as often as you like, up to your limit | One payout | One or several, planned with your advisor |
| Rate | Rate grid, may change with prior notice | Rate grid, locked for the term | Rate grid minus 0.5–1.0 pt |
| Interest | Daily on the amount drawn, paid monthly or added to the loan | Daily, paid monthly or at maturity | As agreed |
| Early repayment | Free, any time | Free, any time | Free, any time |
| Margin call | 70% LTV, 72 h to act | 70% LTV, 72 h to act | 70% LTV, 72 h to act |
Thresholds shown for bitcoin, ether and Solana; USDT and USDC have their own, wider bands. All products: no KYC, no fees to borrow or repay, collateral never rehypothecated.
Payout
Paid in your currency, by bank transfer.
Your loan is wired to the bank account you choose, typically within the hour of your collateral being credited.
Questions
Choosing a loan.
Not sure which product fits? Our advisors answer by secure message from your client area, 7 days a week.
Help centreWhich loan should I choose?
If you are not sure how much you need or for how long, the credit line is the most flexible: you draw what you need and pay interest only on that. If you want certainty on your rate for a known period, choose a fixed-term loan of 6 or 12 months. From €250,000, the private desk adds a dedicated advisor and a lower rate.
How much can I borrow?
From €1,000 to €2,000,000 in your client area, and more through the private desk. The amount depends on the value of your collateral and the loan-to-value you choose: up to 60% for bitcoin, 50% for ether, 40% for Solana and 80% for USDT and USDC.
Are the rates the same for every product?
Yes. The credit line and the fixed-term loan use the same rate grid, from 8.9% to 12.9% APR for bitcoin depending on your loan-to-value. The difference is that a fixed-term rate is locked for the whole term.
Can I switch from one product to another?
Yes. You can repay a fixed-term loan early without a fee and open a credit line instead, or the reverse. An advisor can arrange the switch with you from your client area.
Can I pledge several assets?
Each loan is secured by one asset at its own address, which keeps your collateral simple to verify. If you hold several assets, you can open one loan per asset from the same account.
Do companies need to provide documents?
No. A company opens an account the same way as an individual, with an account number, and receives the loan on its own bank account. Statements for its accounts are available in the client area.
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