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.

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


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.

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.

Choice holds one key

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

Where we lend

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.
Read more

Ready to take a bitcoin-backed loan?