Your Gateway to
Bitcoin Liquidity.

You can borrow from $500 up to $500,000. For larger loan amounts, please reach out to support@bitlendex.com.

USDC loans are typically funded within hours of Bitcoin deposit confirmation. Fiat payouts to your bank account typically take 1–3 business days due to banking processing times.

No. Your Bitcoin is your credit. We don't check credit scores, employment history, or financial statements. However, for larger loan amounts, enhanced due diligence might require more information from you.

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.

Yes. A quick, one-time identity check (KYC) is required for every loan whether you receive USDC to a crypto wallet or fiat USD to your bank account. You complete it once during your first application, and we never check your credit score.

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. When your loan-to-value (LTV) crosses your alert threshold (60% by default, adjustable in your notification settings), we email you a margin-call alert — well before the 83.33% liquidation threshold. You can add more Bitcoin collateral or make a partial repayment to improve your LTV. Liquidation at the threshold is automatic, so act on alerts early.

No monthly payments required. One-year loan term with complete repayment flexibility - pay back on day thirty or day three hundred, whenever it suits you. Interest accrues daily on your outstanding balance. Repay early with zero penalties.

You can make partial repayments anytime, and interest is calculated only on your outstanding balance. Bitlendex supports one active loan per account — to borrow more, repay your current loan in full and take out a new one, or contact us about a custom facility.

If your LTV reaches 83.33% and you don't add collateral or repay, the protocol automatically liquidates part of your collateral — selling just enough Bitcoin (at a small discount, the liquidation penalty) to bring the position back to a healthy collateral ratio of about 130% (≈77% LTV). Your remaining collateral stays in your position and your loan continues at the reduced balance. The 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, Halborn, Thesis Defense, and Guvenkaya, including formal verification. Visit our Trust Center page for more info

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 with 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 move with market conditions and pool utilization. The rate advertised on our homepage is live and already includes the 2% origination fee. 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.