Pledge BTC, ETH or 20+ blue-chip assets and draw USDT, USDC or USD in minutes. Rates from 2.9% APR, LTV up to 70%, no credit check, no origination fee, keep your upside.
Rates from 2.9% APR. Keep upside exposure while accessing liquidity — loan-to-value up to 70%. Interest accrues daily, no early-repayment fee, no minimum term.
No credit check, no paperwork — just collateral. Funds disbursed in under 2 minutes.
Repay any time in full or in part, zero early-repayment penalty, zero origination fee.
No rehypothecation. Your coins are segregated in Fireblocks MPC cold storage, insured by Lloyd's.
Push-notification alerts at 80% LTV and auto-top-up from your spot balance prevent forced liquidations.
Average origination-to-disbursement time: 96 seconds.
Move supported crypto from your PayBit spot account into the loan collateral vault — or deposit fresh from your wallet.
Pick LTV (20–70%), loan currency (USDT / USDC / USD) and term (flex or fixed). See your rate and liquidation price instantly.
Loan proceeds land in your PayBit wallet in seconds. Withdraw to bank (SEPA/ACH free) or use on-platform.
Repay anytime — partial or full — and your collateral unlocks within a block. No penalties, no friction.
Lower your LTV or post higher-quality collateral to unlock a better rate.
| Collateral | Max LTV | Liquidation LTV | APR @ 30% | APR @ 50% | APR @ 70% |
|---|---|---|---|---|---|
| BTC | 70% | 85% | 2.90% | 4.50% | 7.50% |
| ETH | 70% | 85% | 3.20% | 4.80% | 7.80% |
| USDT / USDC | 90% | 95% | 1.90% | 2.20% | 2.80% |
| SOL | 60% | 75% | 3.90% | 5.80% | — |
| LINK | 55% | 72% | 4.40% | 6.60% | — |
| AVAX | 55% | 72% | 4.60% | 6.80% | — |
| MATIC | 50% | 70% | 5.10% | 7.40% | — |
When collateral moves against you, we don't just yank it. Three layers of automation give you time and options before a forced sale.
Push, email and SMS notifications at 70%, 80% and 85% LTV.
Opt in to draw from your spot balance automatically when LTV breaches threshold.
We liquidate the minimum required to restore margin — not your whole position.
Licensed or passported across EU, UK, LATAM and APAC. Stablecoin loans are accessible globally; fiat disbursements follow your local licensing.
Your crypto is your credit score. We never pull your bureau file or report activity — borrowing with PayBit leaves zero footprint on traditional finance.
Collateral sits in bankruptcy-remote Fireblocks MPC wallets, not on any lending protocol. $250M Lloyd's of London insurance policy.
Move LTV up or down as prices shift. Switch loan currency mid-term. We rebook automatically without a new application.
We alert you at 70%, 80% and 85% LTV. If you opt into auto top-up, we pull from your spot balance automatically. At 85% LTV we partially liquidate — only the minimum needed to restore a healthy margin.
No origination fee, no closure fee, no early-repayment fee. The APR shown is all-in.
Yes. Withdraw to your bank via SEPA / ACH / wire (free on SEPA & ACH) or send the stablecoins to any wallet. Your use of funds is your business.
No. We don't run credit checks or report to any bureau. Borrowing on PayBit is invisible to your traditional credit profile.
Not on collateral actively backing a loan — collateral sits in segregated custody. Uncollateralised balances can earn via our Lending product.
Apply online, funded in 2 minutes. First $10,000 of interest is waived for 30 days on qualifying positions.