Refinance your bitcoin-backed loan at 7.25%

Interest accrues normally from the day your credit line opens. After the line has been open for 12 months, Roxom rebates the interest accrued during your first month. If you close the line before then, you do not qualify for the rebate.

Yes. That is what this is for. The path depends on where your cash and collateral sit, which is what the first call works out.

For eligible refinances, Roxom can help coordinate repayment of your current loan and receive the released collateral into Roxom custody. Whether that works depends on your lender and your terms, so it starts with a conversation.

No. Cash is one of three routes. You can also use spare bitcoin, or talk to us about coordinating the repayment directly.

Deposit the spare bitcoin with Roxom, draw against it, use the proceeds to repay your existing lender, then move the released collateral across. Your position ends up in one place at one rate.

When you refinance an existing bitcoin-backed loan to Roxom, we cover your first month of interest on the new line. On a $500,000 balance at 7.25% that is about $3,021.

Yes. Larger lines are arranged through the private desk, and the same team answers the hotline whatever the size.

Not today. If you are in the US you can leave an email in the form above and we will tell you when that changes.

Your existing lender releases the bitcoin once their loan is repaid, and it moves into Roxom custody as collateral for the new line. The order of those steps is what the three paths describe.

No origination fee, no prepayment fee, and no closure fee. A 2% fee applies only to bitcoin actually liquidated if a line reaches its liquidation threshold.

No. BLOC uses simple interest. Interest is calculated only on your outstanding principal, so you never pay interest on interest.

It depends on your current lender’s release process and on which of the three paths applies. The desk will give you a realistic timeline on the first call rather than a number on a web page.