USDT & USDC-backed loans
Borrow against USDT and USDC. Up to 80% loan-to-value.
Pledge dollar stablecoins and receive euros, dollars, pounds or Swiss francs by bank transfer, at a flat 6.9% APR whatever your loan-to-value. No identity documents, no email, no phone.
- Up to 80% LTV, flat 6.9% APR
- Zero fees to borrow or repay
- 72 hours to act on a margin call
- Never lent out, verifiable on-chain
Your stablecoin loan
USDT €1
- APR, all-in
- 6.9%No fees
- Per month
- €144interest
- Margin call
- €1USDT −25%
- Liquidation
- €1USDT −29%
Paid by SEPA Instant · No sign-up to see your rate
- 80%maximum loan-to-value
- 6.9%flat APR, all-in
- €0origination or exit fees
- 1–13 minto credit your deposit
- < 1 htypical time to funds
Loan-to-value
One rate, three levels of cushion.
The rate stays at 6.9% whatever you choose. A lower loan-to-value simply leaves more room if a stablecoin slips from its peg or the dollar moves.
| Loan-to-value | Margin call at | Partial liquidation at |
|---|---|---|
| 50%6.9% APR · 56,026 USDT | €0.5129 −43% | €0.4850 −46% |
| 65% Balanced6.9% APR · 43,097 USDT | €0.6668 −25% | €0.6305 −29% |
| 80%6.9% APR · 35,016 USDT | €0.8206 −8% | €0.7760 −13% |
For a €25,000 loan, with Tether at €0.8924 (reference price at 04:57 UTC). Rates are all-in APRs; percentages show the price fall that triggers each event.
How it works
From stablecoins 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.
- Tether (USDT)
- Ethereum (ERC-20) or Tron (TRC-20)
- USD Coin (USDC)
- Ethereum (ERC-20) or Solana
- Credited after
- 64 blocks on Ethereum, 20 blocks on Tron, finalisation on Solana From under a minute to about 13 minutes
- Maximum loan-to-value
- 80% Margin call at 87%, partial liquidation at 92%
- Not accepted
- Other stablecoins (DAI, USDe, FDUSD…) and bridged versions on other networks
- Collateral returned to
- Any address you choose, on the network you deposited from
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 stablecoins
Your loan gets its own deposit address on the network you choose. It is credited as soon as the network confirms.
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 stablecoins instead of selling them?
Keep your dollars on-chain
Your stablecoins stay yours and come back to your wallet when you repay, ready for your next move.
Spend in your currency
Receive euros, pounds or francs against dollar stablecoins, without converting through an exchange.
One flat rate
6.9% APR at any loan-to-value up to 80%. No origination, administration or early-repayment fee.
Cash within the hour
Credited after confirmation on your network, then wired by SEPA Instant, Faster Payments or SWIFT.
Thresholds built for pegs
Wider bands for stable assets: early warning at 84%, margin call at 87% with 72 hours to act.
Never lent out
Your stablecoins are not lent, deployed in yield products, pledged or rehypothecated.
Borrowing in another currency than the dollar
Your collateral is in US dollars. If you borrow euros, pounds or Swiss francs, a fall of the dollar against your loan currency raises your loan-to-value just as a price fall would. Borrowing in USD removes this currency effect.
Verify, don’t trust
Your stablecoins stay where you can see them.
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-05268
- Status
- Held · verified
- Collateral
- 60,000 USDC
- Address
- 0x2b7e … c90a
- Confirmations
- 1,940
- Rehypothecation
- None, by contract
Verifiable on any public block explorer
Questions
Stablecoin loans: straight answers.
Anything else? Our advisors answer by secure message from your client area, 7 days a week.
Help centreWhy borrow against stablecoins instead of selling them?
Selling usually means an exchange account, identity checks and a conversion. Borrowing keeps your USDT or USDC yours, gives you euros, pounds, francs or dollars in your bank account, and returns your stablecoins when you repay.
What is the rate for a stablecoin-backed loan?
A flat 6.9% APR at any loan-to-value up to 80%, reduced by 0.5 point from €250,000 and by 1.0 point from €1,000,000. There are no origination, administration or early-repayment fees.
Which networks do you accept?
USDT on Ethereum (ERC-20) or Tron (TRC-20), and USDC on Ethereum (ERC-20) or Solana. Your collateral is returned on the network you deposited from. Other stablecoins and bridged versions are not accepted.
Can a stablecoin loan be margin-called?
Yes, if your loan-to-value reaches 87%. That can happen if the stablecoin loses its peg, or if you borrowed in euros, pounds or francs and the US dollar weakens against that currency. You then have 72 hours to add collateral or repay part of the loan.
Does the exchange rate affect my loan?
If you borrow in USD, no: dollar stablecoins against a dollar loan carry no currency effect. If you borrow in EUR, GBP or CHF, a fall of the dollar against your loan currency raises your loan-to-value, exactly as a price fall would.
Are my stablecoins lent or put to work while pledged?
No. They stay at the address created for your loan, in multi-signature cold storage. They are never lent, deployed in yield products, pledged or rehypothecated.
Do I need to verify my identity?
No. We never ask for an ID, a selfie, an email address or a phone number. The only detail involved is the bank account that receives the loan.
Your stablecoins, working as 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