Bitcoin-backed loans
Borrow against your bitcoin. Keep the upside.
Pledge BTC and receive euros, dollars, pounds or Swiss francs by bank transfer, typically within the hour of your deposit confirming. No identity documents, no email, no phone.
Bitcoin €73,813+0.1% today
- Up to 60% LTV, from 8.9% APR all-in
- Zero fees to borrow or repay
- 72 hours to act on a margin call
- Never lent out, verifiable on-chain
Your bitcoin loan
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
- 60%maximum loan-to-value
- 8.9%APR from, all-in
- €0origination or exit fees
- ≈ 20 minto credit your deposit
- < 1 htypical time to funds
Loan-to-value
Choose how far the price can fall.
The lower your loan-to-value, the lower your rate and the further bitcoin can fall before anything happens.
| Loan-to-value | Margin call at | Partial liquidation at |
|---|---|---|
| 30%8.9% APR · 1.1290 BTC | €31,634 −57% | €27,680 −63% |
| 50% Balanced10.9% APR · 0.6774 BTC | €52,723 −29% | €46,133 −38% |
| 60%12.9% APR · 0.5645 BTC | €63,268 −14% | €55,359 −25% |
For a €25,000 loan, with Bitcoin at €73,813 (reference price at 04:57 UTC). Rates are all-in APRs; percentages show the price fall that triggers each event.
How it works
From bitcoin to your bank account, in about an hour.
No forms, no documents, no calls. You see every number before you commit, and you can verify your collateral on-chain at any time.
- Network
- Bitcoin mainnet
- Deposit address
- Native SegWit (bc1…), created for your loan only
- Credited after
- 2 confirmations about 20 minutes on average
- Maximum loan-to-value
- 60%
- Not accepted
- Wrapped bitcoin (WBTC, cbBTC…), Lightning, BTC on other chains
- Collateral returned to
- Any Bitcoin address you choose
Open your account
Generate a 16-digit account number and choose a password. No email, phone or documents.
Set your terms
Choose the amount, the currency and your loan-to-value. You see the rate, the margin-call price and the liquidation price first.
Send your BTC
Your loan gets its own deposit address. It is credited after 2 confirmations, about 20 minutes.
Receive your money
Paid to the bank account you name: SEPA Instant for euros, Faster Payments for pounds, SWIFT for dollars and Swiss francs.
Repay, get it all back
Repay in full or in part whenever you like, with no fee. Your collateral returns to the address you choose, typically within the hour.
Borrow, don’t sell
Why borrow against bitcoin instead of selling it?
Keep your exposure
If bitcoin rises while you borrow, the gain is yours. Selling would have locked in today’s price.
No sale, no disposal
Borrowing is generally not a disposal for tax purposes, unlike a sale. Rules differ by country, so check yours.
Cash within the hour
No exchange account, no withdrawal limits, no waiting for a buyer. The loan is wired to your bank.
Zero fees, any time
No origination, administration or early-repayment fee. Interest accrues daily on what you owe.
Partial sales only
If the price falls far, we sell only enough BTC to restore your loan-to-value, never the whole stack at once.
Never lent out
Your coins sit at their own address in cold storage. Not lent, pledged or rehypothecated.
Verify, don’t trust
Your bitcoin stays where you can see it.
Its own address
Every loan has a dedicated on-chain address. Check the balance on any block explorer, whenever you like.
Cold, multi-signature
Held offline in multi-signature vaults. No single person can move it.
Never put to work
Not lent, staked, pledged or rehypothecated. It stays put until you repay.
Back within the hour
Repay, and your collateral returns to the wallet you choose.
Collateral receipt
Example
- Loan
- LP-04817
- Status
- Held · verified
- Collateral
- 0.6801 BTC
- Address
- bc1q 8r4x … 6m2k
- Confirmations
- 1,284
- Rehypothecation
- None, by contract
Verifiable on any public block explorer
Questions
Bitcoin loans: straight answers.
Anything else? Our advisors answer by secure message from your client area, 7 days a week.
Help centreHow much can I borrow against my bitcoin?
Up to 60% of the value of the BTC you pledge. With bitcoin at €73,813, one BTC supports a loan of up to €44,288. Most clients choose 50% or less, which leaves more room before a margin call. Loans start at €1,000.
Which bitcoin can I pledge?
Native BTC on the Bitcoin network, sent to the native SegWit address created for your loan. Wrapped bitcoin such as WBTC or cbBTC, Lightning payments and BTC on other chains are not accepted as collateral.
How quickly will I receive the money?
Your deposit is credited after 2 confirmations, about 20 minutes on average. The loan is then typically sent within the hour: SEPA Instant for euros, Faster Payments for pounds, SWIFT for dollars and Swiss francs.
What is the liquidation price of a bitcoin loan?
It is the BTC price at which your loan-to-value reaches 80%. Borrowing at 50% with bitcoin at €73,813, a margin call would come at €52,723 (a 29% fall) and a partial liquidation at €46,133 (a 38% fall). You have 72 hours to act on a margin call.
Is my bitcoin lent out or rehypothecated?
No. Each loan has its own address in multi-signature cold storage, which you can check on any block explorer. Your bitcoin is never lent, pledged, staked or rehypothecated, and it stays at that address until you repay.
Can I repay early and get my bitcoin back?
Yes, at any time and without any fee, in full or in part, in fiat or in crypto. Once the loan is repaid, your BTC is sent to the address you choose, typically within the hour.
Do I need to verify my identity to borrow against bitcoin?
No. We never ask for an ID, a selfie, an email address or a phone number. Your account is a 16-digit number. The only detail involved is the bank account that receives the loan.
Keep your bitcoin. 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