Repayment
Repay whenever you like. Get it all back within the hour.
Repay in full or in part, at any time, by bank transfer or in stablecoins. No penalty, interest to the day, and your collateral back at the address you choose.
- No early-repayment fee, ever
- Interest to the day, never beyond
- Bank transfer or USDT and USDC
- Collateral back typically within the hour
- €0early-repayment fee
- Any dayto repay in full or in part
- To the dayinterest, never beyond
- < 1 htypical return of collateral
How to repay
Two ways to repay, both free.
Your client area shows the exact amount due, to the day, and the details to use. Pick whichever suits you, loan by loan.
By bank transfer
In your loan currency, with the payment reference shown on your loan in the client area, so that the funds are matched to your loan. SEPA Instant and Faster Payments arrive within seconds; other payment systems on business days.
In USDT or USDC
Send stablecoins to the repayment address shown in your client area, on a supported network. They count once confirmed; for a loan in euros, pounds or francs, they are converted at the reference rate shown before you confirm.
Only pay to the details in your client area
Always use the payment reference or the repayment address shown for your loan. We will never send you payment details by email, text or phone: if anyone does, it is not us.
Partial or full
Repay a little, or everything. You decide, every day.
Partial repayment
Any amount, at any time. What you owe, your interest and your loan-to-value all fall at once. You can keep the lower loan-to-value as a cushion against the market, or withdraw the collateral you no longer need, within the limits shown in your client area.
Full repayment
Repay the principal plus the interest accrued since your last payment, to the day. The loan is closed and your collateral is released to the address you choose.
A €25,000 bitcoin loan at 50% loan-to-value and 10.9% APR. You repay €10,000.
- You owe
- €25,000 → €15,000
- Loan-to-value, same price
- 50% → 30%
- Interest per month
- €227 → €136
- Fee
- €0
Interest per month is shown for an average month, at your current rate.
Interest to the day
You pay for the days you borrow. Not one more.
Interest accrues daily on what you owe, and stops on the day your repayment is received. There is no minimum period and no exit charge.
Interest = principal × APR × days ÷ 365
Repaying €25,000 borrowed at 10.9% APR after 45 days costs €335.96 in interest. If you pay interest monthly, a full repayment only adds the interest accrued since your last payment: €89.59 twelve days after it, for example.
What €25,000 costs, by length of loan
| Repaid after | Interest | Total repaid |
|---|---|---|
| 7 days | €52.26 | €25,052.26 |
| 30 days | €223.97 | €25,223.97 |
| 90 days | €671.92 | €25,671.92 |
| 180 days | €1,343.84 | €26,343.84 |
| 365 days | €2,725.00 | €27,725.00 |
Bitcoin collateral at 50% loan-to-value, 10.9% APR, simple interest. No other charge applies.
Your collateral
Back at the address you choose, typically within the hour.
Your collateral never left its own address while you borrowed. Releasing it is a single transaction you can follow on any block explorer.
- Bitcoin
- Any Bitcoin address you choose
- Ether
- Any Ethereum address you choose
- SOL
- Any Solana address you choose
- USDT, USDC
- Any address on the network you deposited from
- Network fee
- At cost, shown before you confirm
Your repayment arrives
Within seconds by SEPA Instant or Faster Payments; on business days by SWIFT, Fedwire or SIC; after network confirmation in USDT or USDC.
Your loan is closed
Interest stops on the day the funds are received. A closing statement appears in your client area.
You confirm the address
Enter or confirm the address that should receive your collateral. The network fee is shown before you confirm.
Your collateral is sent
In a single on-chain transaction from your loan’s address, which you can follow on any block explorer.
Fixed-term loans
At maturity: repay or roll over.
A fixed-term loan of 6 or 12 months keeps its rate for the whole term, and can still be repaid early at no cost.
- Early repayment is free, in full or in part, at any time during the term.
- Your client area shows the maturity date and reminds you ahead of it.
- At maturity, repay, or roll over into a new term at the rate in force at that time.
- Decide in good time: what happens if you do neither is set out in your loan agreement.
If you cannot repay on time
Talk to us early. You have options.
Our advisors answer by secure message in your client area, 7 days a week. The earlier you write, the more room there is.
- Repay in part to reduce what you owe and your interest.
- Top up your collateral to keep your loan-to-value comfortable while you arrange funds.
- Roll over a fixed-term loan into a new term instead of repaying it at maturity.
- Keep an eye on your alerts: we cannot reach you by email or phone.
Questions
Repayment: straight answers.
Anything else? Our advisors answer by secure message from your client area, 7 days a week.
Help centreIs there a penalty for repaying early?
No. You can repay at any time, in full or in part, with no early-repayment fee, including on a fixed-term loan. You only pay interest for the days you actually borrowed.
Can I repay only part of my loan?
Yes, any amount, whenever you like. A partial repayment reduces what you owe, the interest you pay and your loan-to-value. You can keep the lower loan-to-value as a cushion, or withdraw collateral you no longer need within the limits shown in your client area.
Can I repay with bitcoin or ether?
Not directly. Repayments are made by bank transfer in your loan currency, or in USDT or USDC. Stablecoin repayments are credited once confirmed on their network; for a loan in euros, pounds or francs, they are converted at the reference rate shown before you confirm.
When does interest stop?
On the day your repayment is received. For a bank transfer, that is the day the funds reach us, not the day you send them, so allow for your bank’s processing time with non-instant payment systems.
How quickly do I get my collateral back?
Once the loan is repaid in full, your collateral is sent to the address you choose, typically within the hour. The network fee is charged at cost and shown before you confirm.
Can my collateral be returned to a different wallet?
Yes. You choose the receiving address in your client area, on the network the collateral was deposited from. Check it carefully: a transfer sent to a wrong address cannot be reversed.
What happens at the end of a fixed-term loan?
Your client area shows the maturity date and reminds you ahead of it. You can repay, or roll the loan over into a new term at the rate in force at that time. What happens if you do neither is set out in your loan agreement, so decide in good time.
Borrow today. Repay when it suits you.
Price your loan in seconds: no fee to borrow, no fee to repay, interest to the day.
- No KYC
- No email, no phone
- Zero fees
- Repay any time