Ethereum-backed loans
Borrow against your ether. Stay in the market.
Pledge ETH and receive euros, dollars, pounds or Swiss francs by bank transfer, typically within the hour of your deposit finalising. No identity documents, no email, no phone.
Ethereum €2,227+0.3% today
- Up to 50% LTV, from 9.4% APR all-in
- Zero fees to borrow or repay
- 72 hours to act on a margin call
- Never lent out, verifiable on-chain
Your ether loan
ETH €2,227
- APR, all-in
- 11.4%No fees
- Per month
- €238interest
- Margin call
- €1,273ETH −43%
- Liquidation
- €1,113ETH −50%
Paid by SEPA Instant · No sign-up to see your rate
- 50%maximum loan-to-value
- 9.4%APR from, all-in
- €0origination or exit fees
- ≈ 13 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 ether can fall before anything happens.
| Loan-to-value | Margin call at | Partial liquidation at |
|---|---|---|
| 30%9.4% APR · 37.421 ETH | €954 −57% | €835 −63% |
| 40% Balanced11.4% APR · 28.065 ETH | €1,273 −43% | €1,113 −50% |
| 50%11.4% APR · 22.452 ETH | €1,591 −29% | €1,392 −38% |
For a €25,000 loan, with Ethereum at €2,227 (reference price at 04:58 UTC). Rates are all-in APRs; percentages show the price fall that triggers each event.
How it works
From ether 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
- Ethereum mainnet
- Deposit address
- Ethereum (0x…), created for your loan only
- Credited after
- 64 blocks about 13 minutes
- Maximum loan-to-value
- 50%
- Not accepted
- Staked or liquid-staking ETH (stETH, rETH…), wrapped ETH, ETH on layer-2 networks
- Collateral returned to
- Any Ethereum 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 ETH
Your loan gets its own deposit address. It is credited after 64 blocks, about 13 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 ether instead of selling it?
Stay exposed to ETH
Keep your position through the next upgrade or market cycle, and receive cash today.
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
Credited after 64 blocks, then wired to your bank by SEPA Instant, Faster Payments or SWIFT.
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 ETH to restore your loan-to-value, never everything at once.
Never lent or staked
Your ETH is not lent, staked, pledged or rehypothecated. It stays at its own address until you repay.
Verify, don’t trust
Your ether 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-05122
- Status
- Held · verified
- Collateral
- 9.250 ETH
- Address
- 0x8f3c … 41d2
- Confirmations
- 2,816
- Rehypothecation
- None, by contract
Verifiable on any public block explorer
Questions
Ethereum 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 ETH?
Up to 50% of the value of the ETH you pledge. With ether at €2,227, one ETH supports a loan of up to €1,113. Loans start at €1,000.
Can I pledge staked ETH, stETH or ETH on a layer 2?
Not at the moment. We accept native ETH on Ethereum mainnet only. Liquid-staking tokens, wrapped ETH and ETH on layer-2 networks carry additional smart-contract and liquidity risks, so they are not accepted as collateral.
How long does an Ethereum deposit take to be credited?
Your deposit is credited after 64 blocks, about 13 minutes. The loan is then typically sent to your bank within the hour.
Why is the maximum loan-to-value lower for ETH than for bitcoin?
Ether has historically been more volatile than bitcoin. A 50% ceiling keeps a comparable cushion before a margin call, which comes at 70% loan-to-value for every volatile asset.
What is the liquidation price of an ETH loan?
Borrowing at 40% with ether at €2,227, a margin call would come at €1,273 (a 43% fall) and a partial liquidation at €1,113 (a 50% fall). Only enough ETH is sold to bring your loan-to-value back to 65%.
Is my ETH staked or lent while it is pledged?
No. Your ETH stays at the address created for your loan, in multi-signature cold storage. It is never lent, staked, pledged or rehypothecated, so you can verify the balance at any time.
Do you need my identity or email?
No. Your account is a 16-digit number with a password and, if you wish, a passkey. We never ask for documents, an email address or a phone number.
Keep your ether. 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