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CRYPTO LOANS

Borrow against portfolio. Need fiat but don't want to sell your crypto? Lock your digital assets as collateral and receive liquid capital instantly with competitive daily interest.

Collateral
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Loan Funds
Smart Capital

WHY BORROW INSTEAD OF SELL?

Avoid Capital Gains Taxes

Selling your crypto technically constitutes a taxable event in most jurisdictions. Borrowing against it allows you to access cash entirely tax-free.

Retain Portfolio Upside

If the market surges, you continue to fully profit from your locked collateral. You never miss out on the next big bull run.

Use For Re-Investment

Margin leverage redefined. Borrow stablecoins against your Bitcoin, and immediately reinvest it back into the market or the bot trading pipeline.

Lifecycle

FROM COLLATERAL TO CASH

A typical crypto-backed loan moves through clear stages: lock assets, receive proceeds, service interest, and repay or adjust collateral as markets move.

01
Apply & verify

Complete identity checks where required, connect your wallet or custody path, and choose loan currency and term options available to your tier.

02
Lock collateral

Supported assets are locked under the loan agreement. Loan-to-value (LTV) and haircuts determine how much you can draw.

03
Receive & use funds

Disbursement to your bank or stable balance—use for expenses, trading, or bot / copy strategies.

04
Repay or top up

Pay interest on schedule; add collateral or repay principal if LTV approaches liquidation thresholds shown in your dashboard.

LTV & LIQUIDATION

If collateral value falls or your loan grows (accrued interest), effective LTV rises. We publish warning bands and automatic liquidation rules so you can act before forced sells.

  • ! Margin calls: notifications when you should add collateral or repay.
  • ! Liquidation: may occur if LTV exceeds the stated maximum—proceeds go to the loan first.
  • ! Tax: borrowing is not tax advice; speak to a professional about your jurisdiction.
Rates & eligibility

WHAT SETTLES THE RATE

Interest depends on asset type, loan currency, term, and your account tier—exact APRs and fees appear at application time.

Base rate

Tied to market conditions and internal funding costs; shown before you sign.

Collateral mix

Different coins carry different haircuts and volatility profiles—blended LTV follows the book.

Term length

Shorter draws may price differently from longer facilities; early repayment rules are disclosed upfront.

UNLOCK LIQUIDITY

Apply from your dashboard after registration—support can walk you through collateral options.