Paid in euros · SEPA Instant
Borrow euros against your crypto. Paid by SEPA Instant.
Pledge bitcoin, ether, Solana or stablecoins and receive euros on any IBAN in the SEPA area, usually within seconds of the transfer being sent. No identity documents, no email, no phone, and no fee on SEPA payouts.
Bitcoin €73,813+0.1% today
- No ID, no email, no phone. Your account is a number
- From €1,000 to €2,000,000
- Zero fees to borrow or repay early
- Repay in euros, USDT or USDC
Your loan in euros
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
- SEPA Instantto any IBAN in the SEPA area
- €0payout fee, SEPA or SEPA Instant
- 24/7SEPA Instant runs every day of the year
- 6.9%APR from, all-in
- < 1 htypical time to funds
Payout
How euros reach your account.
Every euro payout goes by SEPA Instant when your bank receives instant payments, which most banks in the euro area now do.
- Payment system
- SEPA Instant Credit TransferStandard SEPA transfer as a fallback
- Arrival
- Usually within seconds, any day, any hourStandard SEPA: usually the next business day
- Accounts
- Any IBAN in the SEPA areaEU and EEA countries, Switzerland, the UK and a few other European states
- Payout fee
- €0
- Beneficiary name
- Exactly as your bank holds itChecked by Verification of Payee before the transfer
- Repayment
- By SEPA transfer with the reference shown in your client area, or in USDT or USDC
Payout confirmation
Example
- Amount
- €25,000.00
- Rail
- SEPA Instant
- To
- DE89 •••• •••• 3000
- Name check
- Verification of Payee: match
- Sent
- 14:07
- Reference
- LP-04817
- Status
- Sent
Kept in your client area with your loan agreement
What you can borrow
Your crypto, in euros, today.
What typical holdings support at the Balanced and maximum loan-to-value, at today’s reference prices.
| Collateral | Balanced loan | Maximum loan |
|---|---|---|
| 1 BTCworth €73,813 | €36,906at 50% · 10.9% | €44,288at 60% · 12.9% |
| 10 ETHworth €22,271 | €8,908at 40% · 11.4% | €11,136at 50% · 11.4% |
| 100 SOLworth €9,807 | €2,942at 30% · 10.4% | €3,923at 40% · 12.4% |
| 50,000 USDCworth €44,660 | €29,029at 65% · 6.9% | €35,728at 80% · 6.9% |
Reference prices at 04:57 UTC, converted at the market exchange rate. Rates are all-in APRs; amounts of €250,000 or more receive a lower rate.
Currency
Why the euro’s exchange rate matters.
Crypto-assets are priced in US dollars on the market. When the euro strengthens against the dollar, your collateral is worth fewer euros, and your loan-to-value rises, even if prices do not move in dollars.
New LTV = LTV × (1 + rise of the euro against the dollar)
Borrowing in dollars removes the effect; borrowing in euros keeps your repayments in the currency you spend. Either way, the thresholds are the same: margin call at 70%, partial liquidation at 80%.
A 50% loan as the euro moves
| Euro against the dollar | Rate | Your LTV |
|---|---|---|
| −10% | €1 = $1.0075 | 45.0% |
| −5% | €1 = $1.0635 | 47.5% |
| Unchanged | €1 = $1.1195 | 50.0% |
| +5% | €1 = $1.1754 | 52.5% |
| +10% | €1 = $1.2314 | 55.0% |
Today: €1 = $1.1195. Collateral prices unchanged in dollars. Alerts start at 65% loan-to-value.
Questions
Loans in euros: straight answers.
Anything else? Our advisors answer by secure message from your client area, 7 days a week.
Help centreCan I get a crypto loan paid in euros?
Yes. Pledge bitcoin, ether, Solana, USDT or USDC and receive euros on any IBAN in the SEPA area, by SEPA Instant where your bank receives instant payments, typically within the hour of your collateral being confirmed.
How long does a SEPA Instant payout take?
Once sent, a SEPA Instant transfer usually reaches the receiving account within seconds, at any hour and on any day. If your bank does not receive instant payments, we send a standard SEPA transfer, usually credited the next business day.
Is there a fee on euro payouts?
No. SEPA and SEPA Instant payouts are free, and there are no origination, administration or early-repayment fees.
Why must the beneficiary name match my account?
Since October 2025, banks in the euro area check that the beneficiary’s name matches the IBAN before a euro transfer is sent, a service called Verification of Payee. Enter the name exactly as your bank holds it to avoid a warning or a delay.
Does the euro’s exchange rate affect my loan?
Yes. Crypto is priced in US dollars, so if the euro strengthens against the dollar, your collateral is worth fewer euros and your loan-to-value rises. A 5% rise of the euro takes a 50% loan-to-value to about 52.5%. Borrowing in dollars avoids this effect.
Can I repay in euros?
Yes, by SEPA transfer with the reference shown in your client area, or in USDT or USDC. Repay in full or in part at any time, with no fee.
Your crypto, in euros.
Price your loan in seconds and receive your euros, typically within the hour.
- No KYC
- No email, no phone
- Zero fees
- Repay any time