Conservative
8.9% APR
Borrow up to 30% of your collateral
Bitcoin can fall 57% before a margin call
Price this loanRates
One all-in rate. Nothing on top.
Your rate is set by your collateral and your loan-to-value, with a discount for larger loans. No origination fee, no exit fee, no token to hold.
- Bitcoin from 8.9% APR
- USDT and USDC 6.9%, flat
- Up to −1.0 point for larger loans
- €0 to borrow or repay
Price your 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
- 8.9%bitcoin APR from
- 6.9%USDT and USDC, flat
- −1.0 ptfrom €1,000,000
- €0origination or exit fees
- Dailyinterest, to the day
The rate grid
Every rate, on one grid.
Annual percentage rates, all-in, by collateral and loan-to-value. The same grid applies to the credit line and to fixed-term loans.
| Collateral | ≤ 30% | 30–50% | 50–60% |
|---|---|---|---|
| Bitcoin max 60% | 8.9% | 10.9% | 12.9% |
| Ethereum max 50% | 9.4% | 11.4% | — |
| Solana max 40% | 10.4% | 12.4%up to 40% | — |
| StablecoinsUSDT, USDC · max 80% | 6.9% flat, at any loan-to-value | ||
Rates effective from 9 October 2026, before volume discounts. Your exact rate is shown in the simulator and confirmed in your client area before you commit.
Bitcoin
Three settings. Pick your cushion.
Every collateral has three loan-to-value settings. For bitcoin, they look like this.
Balanced
Recommended10.9% APR
Borrow up to 50% of your collateral
Bitcoin can fall 29% before a margin call
Price this loanMax liquidity
12.9% APR
Borrow up to 60% of your collateral
Bitcoin can fall 14% before a margin call
Price this loanVolume discounts
Larger loans, lower rates.
From €250,000, your rate falls by 0.5 point; from €1,000,000, by 1.0 point. The discount applies to the whole loan and is already in the rate the simulator shows.
- A dedicated advisor from €250,000, by secure message in your client area.
- Above €2,000,000, our private desk tailors the terms.
| Loan amount | Discount | Bitcoin at 50% | USDT, USDC |
|---|---|---|---|
| €1,000 – €249,999 | Standard | 10.9% | 6.9% |
| €250,000 – €999,999 | −0.5 pt | 10.4% | 6.4% |
| €1,000,000 – €2,000,000 | −1.0 pt | 9.9% | 5.9% |
Amounts in euros or the equivalent in your loan currency.
In euros
What it actually costs.
Interest on a bitcoin loan at 50% loan-to-value, repaid after 90 days or a full year. No other charge applies to borrowing or repaying.
| Loan | APR | 90 days | 12 months |
|---|---|---|---|
| €10,000 | 10.9% | €268.77 | €1,090.00 |
| €50,000 | 10.9% | €1,343.84 | €5,450.00 |
| €250,000 | 10.4% | €6,410.96 | €26,000.00 |
| €1,000,000 | 9.9% | €24,410.96 | €99,000.00 |
Simple interest accrued daily (APR ÷ 365 per day). “Per month” is an average month. Rates include volume discounts.
How the APR works
A rate you can check with a calculator.
Interest per day = amount owed × APR ÷ 365
- All-in. No origination, administration, custody or early-repayment fee is added on top.
- Simple interest, accrued daily on the principal you owe, never on interest.
- Paid monthly or at the end, as you prefer. Paying monthly keeps your loan-to-value stable.
- Locked on fixed terms. On a credit line, any change applies only for the future, with prior notice and the option to repay without a fee.
Comparing rates fairly
A headline rate tells you little on its own. An arrangement fee of 2% on a one-year loan adds about two points to its true annual cost; some lenders also reserve their best rates for clients who hold, or are paid in, their own token. Compare the all-in cost of the same amount over the same period.
What you see is what you sign
The simulator shows your rate, your monthly interest and your liquidation price before you commit. Your offer is then confirmed in your client area, with the rate fixed in your loan agreement.
Questions
Rates: straight answers.
Anything else? Our advisors answer by secure message from your client area, 7 days a week.
Help centreIs the APR really all-in?
Yes. There is no origination, administration, custody or early-repayment fee, and payouts by SEPA and Faster Payments are free. The only other costs are payouts by SWIFT, Fedwire or SIC at cost, the network fee when your collateral is returned, and liquidation fees if collateral ever has to be sold. All are listed in our fee schedule.
Why does my rate depend on my loan-to-value?
Because the loan-to-value measures the risk. The lower it is, the further your collateral can fall before anything happens, and the lower your rate: 8.9% up to 30% for bitcoin, against 12.9% up to 60%.
Can my rate change during the loan?
On a fixed-term loan, no: the rate is locked for the whole term. On an open-ended credit line, the rate may be changed for the future with prior notice in your client area, and you may then repay without any fee before the change takes effect.
How do volume discounts work?
The discount applies to the whole loan once its amount reaches a threshold: 0.5 point from €250,000 and 1.0 point from €1,000,000. It is included in the rate shown by the simulator, with nothing to request.
Is interest compounded?
No. Interest is simple: it accrues daily on the principal you owe, at your APR divided by 365, and is never charged on interest, whether you pay it monthly or at the end of the loan.
Why are stablecoin loans cheaper?
USDT and USDC aim to hold a stable value against the dollar, so they carry far less price risk than bitcoin or ether. That is why we lend up to 80% of their value at a flat 6.9%.
Is the rate the same in every currency?
Yes. Your rate depends on your collateral, your loan-to-value and the amount, not on whether you receive euros, dollars, pounds or Swiss francs.
See your exact rate in seconds.
Choose an amount, a collateral and a loan-to-value. No sign-up, no ID, no commitment.
- No KYC
- No email, no phone
- Zero fees
- Repay any time