Unlock the value of your bitcoin
At Unchained Capital, we build products for long-term bitcoin holders. Our simple platform and live support can help you apply for a loan and get approved within one business day. See where we lend, sign up and get a bitcoin-backed loan today!
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No rehypothecation (what’s that?)
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Multisignature custody
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No credit checks
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No token or membership plan
ACCESS LIQUIDITY WITHOUT SELLING YOUR BITCOIN
Borrow for everything, from buying real estate to paying taxes
Taxes
Make tax season easy
- Reduce the tax burden created by selling bitcoin
- Borrow against your bitcoin to help make a tax payment
- Read more on our blog
Real estate
Diversify into other hard assets
- Fund the purchase of your next home
- Invest in rental property or home improvements
- Fast closings can mean more efficient transaction funding than traditional lenders
Debt consolidation
Consolidate your other debt
- Eliminate costly credit card debt
- Simplify payments with just one loan
- No credit check required
Business
Grow your business
- Fund expansion
- Free up working capital
- Leverage your fund’s balance sheet through margin financing
See what you can borrow
Calculator is for demonstration purposes only and does not represent a commitment to lend. Bitcoin loans require interest-only payments every 30 days. Interest-only payments are calculated by multiplying the outstanding principal balance by the simple annual interest rate converted to a daily rate using a 365-day year. The final payment includes the last interest-only payment and the full balance of all outstanding principal. Interest rates, origination fees, payment terms, and minimums vary by state according to local lending laws and regulations.
Custody is king
Security is the number one factor you should consider when taking a bitcoin-backed loan. At Unchained Capital, we store our customers’ bitcoin in dedicated addresses from our multisignature, cold storage wallet. That means no singlesig, no exchanges, and no third parties are used.
A FAST AND EASY LOAN PROCESS
Loans up to $1,000,000 approved within the same week
1. COMPLETE APPLICATION
Fill out a secure loan application that only takes minutes to complete.
2. SIGN CONTRACT ONLINE
Once your profile is approved, you can apply for your loan. Interest rates may vary by state.
3. RECEIVE YOUR FUNDS
You’ll be allocated a unique address on the blockchain to monitor your collateral during the loan term.
Multi-institution custody available for loans
Three independent key holders collaborate to protect collateral. Collateral is stored in multisig addresses requiring 2-of-3 keys to spend. These keys are held by you (the borrower), Unchained, and a third-party key agent. No one person or organization is a single point of failure. Here’s how it works.
You & Unchained
Help protect your own collateral
Upload a key from your hardware wallet
We use this key to build your loan’s dedicated on-chain address
Closing or transferring your loan? Co-sign a transaction with us to release your funds.
You & key agent
Recover if we’re unavailable
We plan on helping you protect your wealth for many years.
In the unlikely scenario that Unchained Capital is unavailable, you will be able to recover your collateral by co-signing with our third party key agent.
Unchained & key agent
We help you protect your wealth
If you lose your key, we will co-sign transactions with the key agent to recover your funds.
In tragic circumstances, we can work with your estate to recover your funds.
If you default on a loan, we will co-sign transactions with the key agent to liquidate your funds.
Ultimate guide to bitcoin loans
In some ways, bitcoin-backed loans are similar to traditional collateral-backed loans—but there are important differences to consider. We’ve put together a thorough guide that covers everything you’ll want to know.
Read more →
Your loan, at a glance
The bitcoin markets can move fast, so we make sure it’s easy for you to check in on the health of your loan through the Unchained dashboard. Know at a glance when you’re over-collateralized or when you need to consider depositing additional collateral.
Put your bitcoin to work
Apply for a bitcoin-secured loan in minutes
Loans made or arranged are originated per applicable state law. California loans are made or arranged pursuant to a California Financing Law License. To learn more about Unchained’s licensing, see our legal and regulatory page.