Rates
Simple pricing based on your loan-to-value ratio. No origination fees, no prepayment penalties, no hidden costs.
Loans of $250,000+ get 0.25% off; loans of $1,000,000+ get 0.50% off. Terms over 36 months add 0.25%.
| LTV tier | APR with AutoPay | APR $1M+ | Collateral for $100,000 | Best for |
|---|---|---|---|---|
| 25% Conservative | 7.70% | 7.20% | $400,000 | Lowest rate and the largest buffer against market swings. |
| 40% Balanced | 9.20% | 8.70% | $250,000 | A popular mix of borrowing power and protection. |
| 50% Standard | 10.70% | 10.20% | $200,000 | More cash for the same collateral, with a sensible buffer. |
| 65% Maximum | 12.70% | 12.20% | $153,846 | Highest borrowing power. Requires closer monitoring. |
Understanding LTV
LTV is your loan balance divided by the current market value of your collateral. If you borrow $50,000 against $100,000 of Bitcoin, your LTV is 50%. As crypto prices move, your LTV moves too.
BTC would need to fall more than 33% before you receive a margin call.
Collateral
Use a single asset or combine several. Live prices refresh every minute.
| Asset | Price (indicative) | 24h | Max LTV | Collateral needed for $5,000,000 |
|---|---|---|---|---|
| BBitcoin BTC | $108,000.00 | — | 65% | 71.2251 BTC |
| EEthereum ETH | $3,900.00 | — | 65% | 1,972.39 ETH |
| SSolana SOL | $190.00 | — | 50% | 52,631.58 SOL |
| BBNB BNB | $1,100.00 | — | 50% | 9,090.91 BNB |
| XXRP XRP | $2.5000 | — | 40% | 5,000,000 XRP |
| LLitecoin LTC | $100.00 | — | 50% | 100,000 LTC |
| UUSD Coin USDC | $1.0000 | — | 85% | 5,882,352.94 USDC |
| UTether USDT | $1.0000 | — | 85% | 5,882,352.94 USDT |
| Origination fee | $0 |
|---|---|
| Prepayment penalty | $0 |
| Add or withdraw collateral | $0 (network fees may apply on withdrawals) |
| Late payment fee | Greater of $25 or 5% of the missed payment |
| Liquidation fee | 2% of the collateral sold |
| Outgoing wire | $0 for loan disbursements |
| ACH disbursement | $0 |
APR disclosure. Annual Percentage Rates shown assume enrollment in AutoPay (0.25% discount). Without AutoPay, add 0.25%. Example: a $100,000 loan for 24 months at 10.70% APR would have 24 monthly payments of about $4,646.87, for a total of $111,524.83.
Risk disclosure. The value of digital assets can change rapidly. A drop in value can trigger a margin call or liquidation of your collateral. You could lose some or all of your collateral. Liquidation may be a taxable event; consult a tax advisor.