Your Gateway to
Bitcoin Liquidity.

You can borrow as little as $1000. For loan amounts above $1 million, please reach out to support@bitlendex.com.

USDC loans are typically funded in less than 24 hours of Bitcoin deposit confirmation. Fiat withdrawals to your bank account take 2–3 business days due to banking processing times.

No. Your Bitcoin is your credit. We don't check credit scores, employment history, or financial statements.

We're the only platform offering native Bitcoin lending (no wrapping or bridging) with both USDC and fiat withdrawal options. Your BTC stays on the Bitcoin network, secured by a 30-node MPC network. Most competitors either wrap your Bitcoin or force you into stablecoin-only payouts.

You can borrow USDC stablecoins with zero identity verification. KYC is only required if you want to withdraw fiat dollars (Ex. USD) to your bank account.

Your Bitcoin never leaves the Bitcoin blockchain. Unlike platforms that require you to wrap BTC into WBTC or bridge to Ethereum, we use Multi-Party Computation (MPC) technology to accept real BTC deposits directly from your wallet. No intermediaries, no wrapped tokens, no custody risk.

Both. Choose USDC for instant settlement (24 hours) or fiat USD sent to your bank account (2–3 business days). You decide what works best for your situation.

We monitor your collateral ratio in real-time. If your loan-to-value (LTV) approaches the liquidation threshold (83.33%), we'll send you notifications via email and SMS. You can add more Bitcoin collateral or make a partial repayment to improve your LTV. We provide a grace period before any liquidation occurs.

No monthly payments required. No fixed loan term. You can repay anytime — tomorrow or in 5 years. Interest accrues daily based on your outstanding balance. Repay early with zero penalties.

Yes to both. You can increase your loan amount (if you have sufficient collateral) or make partial repayments anytime. Interest is calculated only on your outstanding balance.

If your LTV exceeds 83.33% and you don't add collateral or repay, our liquidation engine automatically sells enough Bitcoin to cover your loan principal, accrued interest, and fees. Any remaining BTC is returned to you. This process is automated and permissionless — no human decision-making involved.

Your Bitcoin is held in a decentralized Multi-Party Computation (MPC) network with 30 nodes, including BitGo, Fireblocks, and NEAR validators. No single entity can access your funds. The smart contracts are immutable (no admin keys) and have been audited by Certora, Thesis Defense, and Guvenkaya.

Your access is powered by Privy's self-custodial technology, ensuring your digital signature remains private and under your exclusive control. Even if Bitlendex's systems were compromised, your Bitcoin remains inaccessible to everyone but you.

Yes. Every Bitcoin deposit address is publicly verifiable on the Bitcoin blockchain. You can independently confirm your collateral balance anytime using our public config files and any Bitcoin block explorer.

Our smart contracts are immutable with no admin keys — meaning even if Bitlendex is compromised, hacked, or ceases operations, we cannot alter loan terms or access user funds. Your Bitcoin is controlled by decentralized smart contracts, not by Bitlendex the company. In a shutdown scenario, you can interact directly with the smart contracts to close your loan and retrieve your collateral.

Rates are variable and range from 5–12% APR based on market conditions, utilization, and your loan-to-value ratio. You'll see your exact rate before confirming your loan. No hidden fees or surprises.

Minimal fees only: (1) Bitcoin network transaction fees when depositing/withdrawing collateral, and (2) we apply a 2% origination fee to all loans. No prepayment penalties, no monthly maintenance fees, no "account fees."

Anything. Real estate down payments, business capital, emergency expenses, buying more Bitcoin, paying off high-interest debt. USDC can be spent anywhere stablecoins are accepted or converted to fiat.

Consult a tax professional for your specific situation. Generally, borrowing against Bitcoin is not considered a taxable event in most jurisdictions (unlike selling Bitcoin). However, tax treatment varies by country and personal circumstances. A large advantage of Bitlendex is no BTC wrapping (WBTC), which in most jurisdictions is considered a taxable event.