Personal loans
Liquidity without
selling a single coin.
Up to $250,000 USD backed by your crypto. Flexible terms, Loan-To-Value up to 80%, and funds in your account the same day.
Approved
$50,000
Funds ready • today
Loan overview
Collateral pledged
1.05 BTC ≈ $65,100
Principal
$50,000
LTV
77%
Monthly
$2,340
Term
24 mo
Who it's for
Built for people
who plan to hold.
If you believe your crypto is worth more tomorrow than today, selling is expensive. A personal loan lets you use it without losing it.
Long-term HODLers
You've held through multiple cycles. Selling now means losing the thesis — and the tax event hurts too.
Home buyers
Down payment, renovation, bridge financing — crypto-backed means no credit pull and no "where did the money come from?" paper trail.
Self-employed pros
Founders, creators, freelancers. Your income doesn't fit on a W-2, but your BTC collateral speaks clearly.
Yield seekers
Borrow stablecoin, deploy into DeFi or T-bills. Keep your BTC/ETH position riding the cycle.
Tax-efficient borrowers
Borrowing isn't a disposal event. Keep your holding period, skip the capital-gains hit.
Emergency readiness
Medical, legal, family — when you need funds today, banks won't move in time. We will.
Loan details
Terms in plain English.
Everything is visible before you sign. No hidden origination fees, no prepayment penalties, no "admin charges."
- Minimum loan
- $5,000
- Maximum loan
- $250,000
- Starting APR
- 9.5% (BTC-backed)
- Max LTV
- 80%
- Term length
- 6, 12, 24, 36, 48, 60 months
- Origination fee
- $0
- Prepayment penalty
- None
- Credit check
- None
Sample offers
What it looks like,
in actual numbers.
Three real-world scenarios. Rates shown are starting — your actual offer depends on collateral and chosen LTV.
0.5 BTC collateral • 50% LTV • 12 mo
You borrow
$15,500
- APR9.5%
- Monthly$1,360
- Total repayment$16,323
1 BTC collateral • 65% LTV • 24 mo
You borrow
$40,300
- APR10.5%
- Monthly$1,860
- Total repayment$44,650
2 BTC collateral • 80% LTV • 36 mo
You borrow
$99,200
- APR11.5%
- Monthly$3,275
- Total repayment$117,900
Risk
Pick an LTV
you can sleep on.
Higher LTV gets you more capital but leaves less headroom if the market drops. Here's what each band means in practice.
20%
Deep buffer. Almost no liquidation risk.
35%
Comfortable for most HODLers.
50%
Balanced. ~40% drop headroom.
65%
More capital, tighter margin.
80%
Max capital, active monitoring needed.
How it works
A personal loan
in six steps.
Pledge collateral
Send crypto to your multi-sig vault address.
Configure
Pick amount, LTV, term — live rate shown.
Get funded
Approval + funds in your balance, same-day.
Withdraw
Push to your bank or wallet anytime.
Monitor LTV
Live dashboard & alerts if your buffer thins.
Repay, reclaim
Pay off the loan, your exact collateral comes back.
Case study
“Closed on the house
without selling a sat.”
Mara had been holding BTC since 2018. When the family found a home they loved, selling would have meant a six-figure capital gains event and losing the position she'd held for six years. She pledged 1.2 BTC, drew $60,000 for the down payment, and repaid over 24 months.
Mara L.
Founder, Hexcell Studio • Toronto
Collateral
1.2 BTC
Borrowed
$60,000
Term
24 mo
Tax saved
~$18k
BTC still held at payoff
+47%
vs. spot price when loan opened
Tax perspective
Borrowing isn't selling.
In most jurisdictions, taking out a loan against an asset isn't a taxable event — you haven't disposed of anything. Selling 1 BTC worth $60k with a $10k cost basis would trigger capital-gains tax on $50k. Borrowing $60k against it doesn't.
This is not tax advice. Consult a qualified accountant for your situation.
Example savings
~$18k
typical tax saved on a $60k liquidity need vs. selling long-term BTC at a 30% rate.
Questions
Personal loan FAQ.
No. Your collateral is the credit. We don't pull bureau data or look at your FICO. Onboarding is identity verification and source-of-funds only.
Ready?
Apply in minutes.
Fund today.
A loan backed by your crypto, not your credit score. No selling, no bureau checks, no surprises.