Repay on Your Own Schedule
Every loan has a fixed 12-month term with no monthly payments. You can repay any amount at any time before the term ends, with no prepayment penalty. Pay down part of the balance to lower your LTV, or pay the full balance to close the loan. Interest accrues on your outstanding balance. The full balance (your starting balance plus accrued interest) is due by the end of the term.
Make a Repayment
Repayment fires automatically the moment USDC lands — no confirm needed. Pay any amount; full repayment releases your collateral.
How USDC Repayment Works
- Open the Make a Repayment flow and choose USDC.
- Send USDC to the repayment address shown (copy it or scan the QR code).
- Repayment fires automatically the moment the USDC lands — there's no separate confirm button.
Send the right asset
Send only USDC, to the exact address shown for your repayment. Double-check the network and address before sending.
Paying in Full
When your outstanding balance reaches zero, your loan closes and your Bitcoin collateral is released for withdrawal. Repaying a little extra to cover interest that accrues in transit is fine — any overpayment is reconciled against your balance.
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