Borrow at 7.25% APR
Keep your bitcoin.
Unlock liquidity from your bitcoin to invest, fund a carry trade, or cover expenses without selling. Repay anytime and draw again.
USDT- No fixed term
- No monthly payment
- No hidden fees
- Funded instantly
A better way to borrow against your bitcoin
Larger lines. Loan refinancing. No Liquidation Loans.
Our private desk can arrange a larger credit line, refinance a bitcoin-backed loan you currently hold with another lender, or structure terms without automatic LTV-based liquidation.
7.25% APR. No hidden fees.
One of the lowest rates in the market. No origination, prepayment, or closure fees. A 2% fee applies only if your collateral is liquidated.
No fixed term. No monthly payments.
The line stays open. Borrow and repay on your terms and draw when you need.
Get up to $200,000 in seconds
Post collateral and get funded instantly. No paperwork required.
Your collateral is never lent out
Your bitcoin is held in a legally segregated account. It is never lent, reused, or pledged to another party. Learn more.
Have a bitcoin-backed loan
with another lender?
Refinance with us at 7.25% APR. We’ll help you make the switch and cover your first month of interest.
Refinance your loanSee what your bitcoin can unlock.
Choose an amount and a starting LTV to compare what your bitcoin could be worth against what you would owe.
- $151
- Monthly interest
- $1,812
- Annual interest
- $42,857
- Margin call · 70% LTV · 57.1% fall
- $37,500
- Liquidation · 80% LTV · 62.5% fall
- 0.2500
- bitcoin not sold
- $26,813
- balance after one year
Value of bitcoin not sold vs. balance owed · one year
Power Law · Fair Value$197,390BTC in one year
Modeled value above estimated balance: +$0
- Projected bitcoin price
- $197,390 in one year
- Break-even bitcoin price
- $107,250 · 7.3% from today
- Interest
- $25,000 × 7.25% × 365 ÷ 365 = $1,812
- Current LTV
- 30%
- Projected LTV in one year
- 16.3%
- Liquidation
- At 80% LTV under the current configuration. The warning level is not published here.
Illustrative comparison using the selected projection and the current displayed bitcoin price and APR. Power Law and 200-week moving-average trend scenarios are mathematical models, not forecasts or guarantees. Bitcoin may perform differently, the borrowing rate may change, and interest continues to accrue while a balance is outstanding. This excludes fees and taxes.
Turn bitcoin into purchasing power
Buy more bitcoin
When opportunity arises, use the bitcoin you already own to increase your position.
Make an investment
See an asset you want to own? Unlock liquidity from your bitcoin and make the investment without selling.
Fund a carry trade
Borrow at 7.25% APR and invest in high yield Digital Credit to capture the spread.
Cover expenses
Start living on your bitcoin. Cover your mortgage, credit cards, and everyday bills without selling.
Why borrow instead of sell
Keep your bitcoin
Stay exposed to its long-term upside.
Avoid a taxable sale
Borrowing generally isn’t a taxable event.
Turn a temporary need into a temporary draw
Repay anytime and draw again when needed.
Put your bitcoin to work
Access cash to invest, capture opportunities, or cover expenses.
From idle bitcoin to cash now
- 01
Fund your account
Deposit bitcoin into Roxom.
- 02
Post collateral
Choose how much bitcoin to secure your line.
- 03
Draw funds
Select an amount and confirm the terms.
7.25%APRNo fixed termUp to $200,000 - 04
Repay and reuse
Repay any amount and draw again from available credit.
Drawn$25,000Available$175,000Open your credit line
What is a Bitcoin Line of Credit?
Liquidity secured by your bitcoin.
A Bitcoin Line of Credit lets you borrow cash using bitcoin as collateral. You keep ownership of your bitcoin, but it remains locked while the balance is outstanding.
The amount you borrow compared with the value of your bitcoin is called loan-to-value, or LTV. If bitcoin’s price falls, your LTV rises. You may need to repay part of the balance or add collateral to prevent liquidation.
Unlike a fixed-term loan, the line has no set maturity date. You can repay any amount, draw again from available credit, or close the line by repaying the outstanding balance.
- 01Post bitcoinIt moves to a segregated collateral account.
- 02Draw cashUp to 50% of its value.
- 03Repay the balanceAny amount, on your own schedule.
- 04Unlock your bitcoinRepaid capacity is available to draw again.
Understand what you’re borrowing.
Bitcoin-backed borrowing involves liquidation risk. If bitcoin’s price falls, your LTV rises. If it reaches the applicable threshold, you may need to add collateral or repay part of your balance. If it reaches the liquidation level, Roxom may sell collateral to repay some or all of the outstanding balance. Interest also increases the balance over time.
Monitor your LTV, maintain a buffer, and review the full credit-line terms before borrowing.
- 01Loan to valueCompares what you have drawn with the current value of the bitcoin you posted. You can draw up to 50% at origination, and a fall in the price turns the same balance into a higher LTV.How LTV works
- 02Margin calls and liquidationAt 70% you get a margin-call email and the line stays open. At 80% part of the collateral is sold automatically, back down to 65%, with a 2% fee on the bitcoin sold.How liquidation works
- 03TermsMinimum draw $200, no origination fee and no prepayment penalty. Interest accrues daily on what you have drawn, and no monthly payment is required.Credit-line terms
Bitcoin Line of Credit frequently asked questions
A reusable credit line that lets you borrow using bitcoin as collateral. As you repay your balance, that capacity becomes available to draw again.
Unlike a fixed-term loan there is no set maturity date, and you do not reapply to draw again.
More ways to put your bitcoin to work.
SATA
STRCEarn bitcoin income. Every day.
Invest in Digital Credit issued by bitcoin treasury companies. Choose income-producing securities with daily, bi-monthly, or quarterly dividend payments.
Explore Digital Credit
MSFTTrade stocks, ETFs, and crypto
Research and trade AI stocks, bitcoin treasury companies, broad-market ETFs, commodities, and crypto. Fund with bitcoin or stablecoins and move directly between assets in a few taps.
Go to markets
Turn stock dividends into bitcoin
Buy dividend-paying stocks. Track upcoming payments, estimate your income, and receive dividends in bitcoin.
Explore stock dividendsBorrow. Invest. Keep the spread.
Use a credit line to fund a carry trade with Digital Credit without selling your bitcoin. Compare the income from STRC, STRK, STRD, STRF, and SATA against your borrowing cost before you decide.
Open a carry trade0.00% APR
- No fixed term
- Repay anytime
- No rehypothecation
Ready to put your bitcoin to work?
Open a reusable credit line backed by your bitcoin.
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