LOANS

Make large purchases without selling your bitcoin

Unlock the value of your bitcoin and maintain exposure in the safest way possible

Collaborative custody prevents rehypothecation

Distributing bitcoin keys among three key holders ensures that no single person or company can move your bitcoin. This protects your bitcoin from loss and lets you monitor your bitcoin on the blockchain for the duration of the loan.

Rehypothecation explained

Simple collateral management

Bitcoin is volatile but your bitcoin loan doesn’t need to be. Our loan dashboard gives you a health status for your loan so you can easily manage collateral when the bitcoin price moves quickly.

Get dollars quickly with no credit checks

Unlike traditional loans, bitcoin loans don’t require invasive paperwork or credit checks. Just apply for the loan and move your bitcoin to the loan address. Get US dollars in your bank account within 2 business days.

The best loans in bitcoin

We go above and beyond to ensure you have maximum confidence in your bitcoin security.

5.0 on Google Reviews

Get dollars for large life events

As a long-term bitcoin holder, your priorities inevitably change over the course of your life. We’re here to help every step of the way.

Real estate

Use a bitcoin loan for a down payment on a house

Grow your business

Leverage your corporate bitcoin treasury to free up working capital

Taxes

Tax payments with bitcoin that don’t create a taxable event

Debt consolidation

Simplify payments and eliminate costly credit card debt

Unchained Capital, Inc. is not a bank. Loans may be originated by Lead Bank and subject to approval. Rates and fees vary by term lengths between 90 and 360 days. All loans have a maximum loan-to-value ratio based on required bitcoin collateral. Fees may be assessed on overdue amounts. A loan application is required. May not be available in all states and may be subject to local restrictions where available. California loans may be made or arranged by Unchained pursuant to a California Financing Law license. To learn more about Unchained's licensing, see our legal and regulatory page.

Lead Bank is an FDIC insured Missouri state-charted bank. Lead Bank is an equal opportunity lender.

Loan principal

USD

Minimum $10,000. For loans over $250,000, get in touch.

Collateral

BTC

Term

Term: The number of 30-day interest payments within your loan term. For example, a 12-payment term would be 360 days (not 365). The principal is due with the final interest payment.

Interest Rate

14%

APR

Annual percentage rate (APR): A measure of the cost of credit, which includes interest charged and other costs such as origination fees, expressed as a yearly rate.

16.56%

30-day payments (interest only):

0

30-day payment: This is what you’ll pay every 30 days in interest for your loan. The principal (the initial size of a loan) is due with the final interest payment.

Final payment:

0

Final payment: This is the total you will need to pay for the last scheduled payment of your loan term. It comprises the final interest payment and total outstanding principal.

Origination fee:

0

Finance charge:

0

Estimated loan-to-value (LTV):

0

LTV: The ratio of the size of your loan to the value of your bitcoin collateral. E.g., a 40% loan-to-value (LTV) would require you to deposit a min. of $25,000 worth of bitcoin to open a $10,000 loan. 40% LTV is the max. available for loans under $1,000,000.

Estimated first margin call price:

0

Margin call price: The bitcoin price at which the value of your collateral would fall below the required level and you will be required to lower the LTV by making a deposit of additional collateral or principal payment to your loan.

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Tools and calculators are provided as a courtesy to help you estimate your lending needs. Unchained’s 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 the loan principal. Terms, interest, and APR shown are estimates as of 6/7/2023 and may vary. Interest rates and APR can change, please see our pricing page for current pricing. Your actual rate, payment and costs could be higher. Review your loan agreement for actual terms and conditions prior to entering into any transaction. Results shown are estimates only and do not represent a quote, preapproval, or approval for credit. All lending products are subject to approval. Rates, program terms, and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations apply.

How collaborative custody works

You hold one key

With one key, you can verify you’re sending bitcoin to the right place. Unchained can’t move your bitcoin without collaborating with you or the third party key agent.

Unchained holds one key

We have limited control over your bitcoin. Unchained loans are never comingled so you’re not at risk of custodial failure.

Kingdom Trust holds one key

You retain the title to your bitcoin for the duration of the loan. Our key agent Kingdom Trust signs transactions if Unchained is unavailable or if loan terms are breached.

Where we lend

Learn more

The ultimate guide to bitcoin-backed loans

We’ve put together a thorough guide that covers everything you’ll want to know about bitcoin-backed loans.

Ready to take a bitcoin-backed loan?

Apply Now