The Fees, Plainly
Bitlendex keeps fees minimal and transparent. Here's everything you might pay on a loan:
- Origination fee — 2%: a one-time fee applied to every loan. It is financed — added to your loan balance rather than deducted from your payout.
- Network fees: standard Bitcoin transaction fees when you deposit or withdraw collateral, plus a small bridge/network fee on the USDC payout.
- Conversion (bank payouts only): when you receive fiat, a small spread applies to convert USDC to USD through our banking partner.
No surprise fees
There are no prepayment penalties, no monthly maintenance fees, and no account fees. You'll see your costs before you confirm a loan.
How the Fees Are Applied
The 2% origination fee is financed: it is added to your loan balance instead of being taken out of your payout. Only the small flat network/bridge fee is deducted from the amount sent to you. For a $40,000 loan, you'd receive $40,000 minus a network fee of well under a dollar, and your starting loan balance would be about $40,800.
What you receive
Estimate Before You Commit
Use the calculator to preview your loan, then review the full summary on the confirmation screen before anything is finalized.
Liquidation Price
BTC price at which your loan may be liquidated
Annual Percentage Rate
Variable market rate plus 2% origination fee
Estimated Interest
Interest only — excludes the one-time origination fee
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