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deposit crypto, get an instant loan

We accept BTC and ETH as collateral. The collateral amount that’s required  depends on the amount of USDT you wish to borrow.

Accepted Collateral

Currently, we offer a 1% interest rate for up to 12 months.

1% Interest

Log into your Crypterium account at <a href="https://app.crypterium.com" target="_blank">https://app.crypterium.com</a> and click “Loans”. Then select “New Loan”. Be sure to have enough collateral in your Crypterium account, in order to secure the desired loan amount.

How to Apply

Requesting a loan can take as little as 30 seconds. No banking history or credit checks required. Instant approval!

Fast Approval

Our standard loan agreements offer a 1 - 12 month period.

Term Length

You can apply for an unlimited number of loans, just make sure to maintain enough collateral.

Multiple Loans

Payments should be made monthly from the date of disbursement. i.e. If you received a loan on August 21st, your payment would be due on the 21st of every month.

Repayment Deadline

Crypterium Loans are secured by crypto assets. The main difference between our loans and the traditional secured loans is you retain ownership of the collateral and profit from its upside potential.

Secured

You can find details about your loan in your personal account on the <a href="https://app.crypterium.com" target="_blank">desktop version</a> of the Crypterium app.

Loan Details

We are not able to sell (or liquidate) your collateral to pay back a loan. We can liquidate collateral in rare cases of loan default, but paying back the loan by selling collateral is a selling feature, which is something we don't offer currently due to AML and compliance reasons.

Collateral Sale

Crypterium loans are backed by your crypto, which is held as “collateral”. Your held collateral has to be maintained at an agreed value, in comparison to how much you’re borrowing. When the value of your collateral drops, a margin call will automatically be triggered and an email notification will be sent out. The easiest way to close the margin call is to add additional crypto as collateral, to make sure that you have enough crypto available in your Crypterium wallet to bring your collateral value back to the agreed amount.

Margin Call

When you take a loan with Crypterium, your collateral is stored with one of our custodial partners. It may be held in reserve, or lent out to one of our institutional partners. It is important to note that when we lend coins to our partners, we do so with collateral to ensure the safety of your coins.

Collateral Storage

Unfortunately, you do not gain interest on collateral. We are able to offer 1% rates on USDT loans partially due to the fact that we do not pay interest on held  collateral.

Collateral Interest

When you’re ready to payoff your loan, simply click on “Early Payoff” and complete the required steps.

Payoff

Starting from just 1% annual interest rate

$100 mln insured in custodial assests

Credit lines available from $50 to $5 000

No matter how deep you are into crypto, Crypterium gives you the tools to learn basic concepts and refine sophisticated knowledge. Guides, courses, and articles to help you every step of the way

learn everything about crypto card here

Take advantage of the lowest crypto loan rate in the industry. Use your BTC or ETH as collateral and borrow USDT at the lowest rate. 1% interest!

Safe as a bank, flexible as crypto. Get peace of mind with the right mix of cold storage, сustodian insured and bank-grade security standards

top security

You have questions, we have the answers. Satisfy your requests at lightening speed with our top-rated support geniuses in the app-chat

personal touch 24/7

a credit line that’s available instantly! no credit score needed

150+ mln

60+ mln

180+

Use your cryptocurrencies as collateral and get an instant USDT loan without selling your crypto

get a crypto loan with 1% interest

Get a crypto loan directly from your wallet at a 1% annual interest rate. Flexible repayment options from 1 to 12 months. Take out as much as half of your assets in BTC or ETH. Reinvest and turn 1 BTC to 1.5 BTC instantly.