The Bitlendex Advantage
Total Loans Issued
Over $100 million in Bitcoin-backed loans issued to satisfied customers worldwide.
Max LTV Ratio
Borrow up to 80% of your Bitcoin's value while maintaining full ownership of your assets.
Instant Access
Access your funds anytime, anywhere with instant approval and same-day disbursement.
Early Payment Penalty
Pay off your loan early without any penalties or hidden fees. Complete flexibility.
How It Works
Get your loan in three simple steps. The entire process takes less than 30 minutes.
Deposit Bitcoin
Transfer your Bitcoin to our secure custody wallet. Your collateral is protected by institutional-grade security.
Get Approved
Our system instantly calculates your loan amount based on current Bitcoin price and LTV ratio. No waiting required.
Receive Funds
Get USDC stablecoin deposited directly to your wallet. Use your funds however you need while keeping your Bitcoin.
Trusted by Bitcoin Holders
We meet the highest standards of security and regulatory compliance to protect your assets.
SOC 2 Type II Certified
Independently audited security controls and processes meeting the highest industry standards.
$100M Insurance Coverage
Comprehensive insurance policy protecting your collateral against theft, loss, and security breaches.
Regulatory Compliant
Licensed and compliant with federal and state regulations for digital asset lending services.
Additional Security Measures
Multi-Signature Wallets
All Bitcoin held in 3-of-5 multi-sig cold storage requiring multiple approvals.
24/7 Monitoring
Real-time security monitoring and automated threat detection systems.
Regular Audits
Quarterly third-party security audits and penetration testing.
Proof of Reserves
Monthly cryptographic proof published verifying all collateral holdings.
Frequently Asked Questions
Everything you need to know about Bitcoin-backed loans and how Bitlendex works.
We monitor collateral ratios in real-time. If your collateral falls below the maintenance threshold, you'll receive a notification to add more Bitcoin or pay down part of your loan. We provide a grace period before any liquidation occurs.
Interest rates are determined by loan duration, collateral ratio, and market conditions. Rates typically range from 5-12% APR. You'll see the exact rate before confirming your loan, with no hidden fees or surprises.
Absolutely. You can repay your loan at any time with zero penalties. Early repayment means you'll pay less total interest and get your Bitcoin collateral back sooner.
Your Bitcoin is stored in institutional-grade cold storage with multi-signature security. We use the same custody solutions trusted by major financial institutions and maintain comprehensive insurance coverage.
Your loan funds are unrestricted USDC stablecoins. Use them for any purpose: real estate down payments, business investments, emergency expenses, or any other financial need. We don't restrict how you use your liquidity.
Most loans are approved and funded within 30 minutes of receiving your Bitcoin collateral. The blockchain confirmation time is the main variable, typically taking 10-60 minutes depending on network conditions.