Help Center
Find answers about crypto-backed loans, or reach a lending specialist 24/7.
You can borrow from $1,000 up to $5,000,000 per borrower. Your maximum depends on the value of the collateral you pledge and the loan-to-value (LTV) tier you choose. For example, pledging $2,000,000 of Bitcoin at a 50% LTV lets you borrow $1,000,000. Loans above $1,000,000 go through enhanced review with a dedicated relationship manager.
We accept Bitcoin (BTC), Ethereum (ETH), Solana (SOL), BNB, XRP, Litecoin (LTC), USD Coin (USDC) and Tether (USDT). Each asset has its own maximum LTV. See accepted collateral for details.
No. Checking your rate uses a soft inquiry that won't affect your credit score. Because your loan is secured by crypto, approval is based mainly on your collateral and identity verification, not your credit history.
We monitor your LTV 24/7. If it rises to 75% you'll get a margin call by email, SMS and app notification, and you'll have 72 hours to add collateral or repay part of the loan. If LTV reaches 83%, part of your collateral may be sold to bring the loan back to a safe level. Choosing a lower LTV gives you more protection.
Most loans under $1,000,000 are approved within one business day of your collateral arriving. Funds are sent the same day by wire or ACH, or instantly in USDC/USDT. Loans of $1,000,000 to $5,000,000 usually fund within 3–5 business days.
There are no origination fees, no prepayment penalties and no fees to add collateral. Network fees for crypto withdrawals and incoming wire fees charged by your own bank may apply. See fees & disclosures.
Your collateral is held by qualified custodians. At least 95% is kept in offline cold storage protected by multi-signature controls and covered by crime insurance. We never lend out or rehypothecate your collateral. Learn more in our Security Center.
Yes. You can repay part or all of your loan at any time with no penalty. When you repay in full, your collateral is returned to your wallet, usually within 24 hours.
Connect your wallet and choose Make a payment on your dashboard. You can pay by ACH, wire or stablecoin. Enroll in AutoPay to save 0.25% on your APR.
From your dashboard, select Add collateral to get your dedicated deposit address. Deposits are credited after network confirmations (BTC: 2, ETH: 12, others vary).
Yes. If your LTV is below your selected tier, you can withdraw the excess to an allowlisted address, as long as LTV stays at or below the tier you chose.
Select Forgot ID/Passcode on the sign-in page. You'll verify your identity with your email, phone and the last 4 digits of your SSN.
Contact us
A lending specialist will reply within one business day.
We collect only the information needed to verify your identity, assess your application and service your loan. We never sell your personal information. You may request a copy or deletion of your data at any time, subject to legal retention requirements.
By using this website you agree to our online terms. Loan products are subject to approval and to the terms of your loan agreement, which govern in case of any conflict with this website.
We are committed to WCAG 2.2 AA accessibility. If you have trouble using any part of this site, call 1-800-555-0199 and we'll help you complete your request.