What are the loan terms?

Users will receive their loan funds in the EURC or USDC stablecoin. There is no mandatory fixed term; you can repay according to the terms. As a guide, many users plan horizons of up to around 90 days.

What cryptocurrencies are accepted as collateral?

Bit2Me Loan accepts as collateral the cryptocurrencies listed on this page. Maximum LTV depends on the asset (up to about 50% for eligible assets). Check the live catalogue and current terms.

What is Loan to Value (LTV)?

Loan to Value (LTV) is the ratio between the loan amount and the collateral value, expressed as a percentage. Example: A $5,000 loan secured by $10,000 worth of cryptocurrencies results in an LTV of 50% (5,000/10,000).

What is the loan maturity period in Loan?

Loan is flexible and adapts to all your needs, allowing you to choose the collateral, the loan denomination, and with no fixed term. Repay it whenever and however you want.

Bit2Me LoanCrypto-backed loans

Crypto-backed loans without selling your cryptocurrencies

Get liquidity using crypto as collateral. In usual operations there is no traditional bank scoring; collateral risk is visible before you apply.

Up to 50% LTV depending on collateral

Real-time loan health monitoring

Simulate your loan

Crypto-backed loan illustration with Bitcoin and Ethereum collateral on Bit2Me Loan

8.42%

APR from

Collateral cryptocurrencies

250,000 €

Maximum amount

0€

No opening or closing fee

No CIRBE (usual operations)No fixed termUp to 44% off with Space Center

Legal compliance certifications

Security Certifications

The best crypto exchange

Featured assets

Lowest APR

USD Coin

USDC

From 8.42%

Highest LTV

Bitcoin

BTC

Up to 50%

Available assets

Collateral and borrowable liquidity

#	Cryptocurrency	LTV / APR from	Liquidation / Limits	Actions
As collateral4 assetsLock these cryptos as collateral and check each asset LTV.
1	Bitcoin (BTC)LTV 50% · Liquidation 85%	50% Simulate	85%	Simulate Details
2	Ethereum (ETH)LTV 50% · Liquidation 85%	50% Simulate	85%	Simulate Details
3	XRP (XRP)LTV 50% · Liquidation 85%	50% Simulate	85%	Simulate Details
4	Solana (SOL)LTV 50% · Liquidation 85%	50% Simulate	85%	Simulate Details
Borrowable liquidity2 assetsCurrencies you can receive when you take out the loan.
1	USD Coin (USDC)APR from 8.42% · 100 – 250,000	8.42% Simulate	100 – 250,000	Simulate Details
2	EURC (EURC)APR from 9.54% · 100 – 250,000	9.54% Simulate	100 – 250,000	Simulate Details

Simulate how much you can borrow without selling your crypto

Adjust collateral, amount and Space Center level to see estimated conditions.

No opening fee
Early repayment allowed
Risk depends on collateral value

The calculation is indicative. You will see collateral, estimated interest and conditions before proceeding.

How your loan works

Bit2Me Loan Rules

A loan designed to adapt to you, not the other way around. These are the actual conditions under which we operate.

Why Bit2Me Loan

Benefits of getting liquidity without selling

Liquidity without selling your crypto

Use your assets as collateral and receive funds without closing your position or triggering a sale.

Keep market exposure

You remain exposed to upside while the loan is active because you keep ownership of the collateral.

Possible tax treatment different from selling

Posting collateral is not a sale of the asset. In many cases this may avoid a taxable sale event when accessing liquidity; this is not tax advice and depends on your situation.

No classic bank scoring

In usual operations there is no CIRBE or traditional bank scoring check: approval depends on over-collateralisation, not your payroll or classic credit history.

Liquidity once conditions are confirmed

After you confirm collateral, verification and limits in the app, you can act in short windows without a classic bank committee.

No fixed repayment schedule

Repay at your own pace with no early repayment penalty.

No opening fee

Access liquidity without an upfront cost that punishes smaller or one-off amounts.

Alerts and health factor

Monitor loan health in real time and receive warnings before liquidation.

Up to 44% less interest with Space Center

Your activity level can reduce the APR automatically at no extra cost.

Control and transparency

Liquidity with full visibility of your loan

Check your health factor, movements and conditions at any time. Manage your loan from the app or web with crypto agility and no intermediaries.

Established company

A decade in crypto, headquartered in Spain and backed by top-tier partners such as Telefónica and Investcorp.

Real-time loan health

Check your loan health factor and every movement instantly, with no waiting or intermediaries.

Available 24/7 anywhere

Manage your loan from the web or app whenever you need, 365 days a year, wherever you are.

What the product includes

Bit2Me Loan features

Multi-asset collateral

BTC, ETH, XRP, SOL and more as collateral, with initial LTV up to 50% depending on the asset.

Borrowable asset liquidity

Receive USDC, EURC or other supported assets depending on catalogue and product conditions.

Up to €250,000 automatically

From the app with no manual steps below that threshold. Above it, an agent supports you.

Collateral-based approval

Depends on over-collateralisation, verification and available limits — not your payroll or traditional credit history.

No opening or voluntary closing fee

No fee when you open or repay voluntarily — only outstanding principal and accrued interest.

No minimum or maximum term

Repay whenever you want with no penalty for paying back early.

Real-time health factor

Check loan health and every movement instantly.

Flexible payment if collateral drops

Add collateral, repay part of the loan or allow partial liquidation if applicable.

Unlimited simultaneous loans

Open several loans at once, each with its own collateral and conditions.

Free use of funds

The capital you receive is yours — no need to justify or assign it to a specific purpose.

Space Center APR discounts

Up to 8 activity levels that automatically reduce your interest by up to 44%.

Available 24/7 on app and web

Manage your loan whenever you need, wherever you are.

Crypto-backed loans: collateral, LTV and liquidity

A crypto-backed loan lets you access liquidity without selling your assets. You lock supported collateral (such as BTC or ETH) and receive borrowable assets like USDC or EURC, depending on availability and product conditions.

Loan-to-Value (LTV) measures how much you can borrow against your collateral. If market prices move against you, margin calls or liquidation may apply. Borrowable-only assets such as USDC and EURC provide stable liquidity, while collateral assets secure the loan.

Educational content updated regularly.

How it works

Three steps to liquidity without selling

Deposit crypto as collateral

Receive liquidity in the available currency

Repay at your pace or manage your LTV

Simulate your loan

Bit2Me Space Center

Pay up to 44% less interest as you level up

Space Center is our tier program: the more you use the platform, the higher your level and the bigger the automatic discount on your loan interest.

The discount applies automatically based on your current level
8 levels: the higher the level, the lower your interest
The same level also improves conditions on Earn, Card and Brokerage

Discover your Space Center level

Discount by level

Level 0

Level 1

Level 2

13%

Level 3

19%

Level 4

25%

Level 5

31%

Level 6

38%

Level 7

44%

Bit2Me Loan vs conventional bank loan comparison

This is not a conventional loan, but a fast credit tailored to your needs.

If you want more information about Loan for your business, we will get in touch with you.

This is not a conventional loan, but a fast credit tailored to your needs.
Features	Bit2Me Loan	Conventional loan
Indicative rates to compare with your bank
No origination fees
Possible tax advantage vs selling (case-by-case)
Streamlined process after conditions are confirmed
No classic bank scoring in usual operations
No paperwork

Risk control

Understand and manage your loan risk

Loan health depends on collateral value. These are the states you may see and what you can do.

From healthy to liquidation: your loan health journey

01
Healthy
LTV is within a comfortable range. No action required.
02
Attention
Collateral value has moved. Review your loan health.
03
Action window
You can add collateral, repay part of the loan, or close the position.
04
Liquidation
If LTV reaches the threshold, partial or total liquidation may apply.

01
Healthy
LTV is within a comfortable range. No action required.
02
Attention
Collateral value has moved. Review your loan health.
03
Action window
You can add collateral, repay part of the loan, or close the position.
04
Liquidation
If LTV reaches the threshold, partial or total liquidation may apply.

Key concepts to manage risk

What is LTV?

Loan-to-Value is the ratio between the loan amount and collateral value. A lower LTV means more safety margin.

Health factor

A real-time indicator of how safe your loan is based on collateral price movements.

Warnings

When possible, you receive alerts to review loan health and act before a forced liquidation; we do not guarantee advance notice in every scenario.

What you can do

Add collateral, repay part of the loan, close the position, or accept partial liquidation if applicable.

A multidisciplinary team at your disposal

A decade developing blockchain technology

Company headquartered in Spain and backed by top-tier partners

With multi-layer security systems and a personalized support service

We are here to help

Frequently Asked Questions

Through lending, an individual or a company can obtain a cryptocurrency loan by using their existing digital assets as collateral.

At Bit2Me, we are committed to excellence. That’s why we have developed our Loan solution, enabling both individuals and companies to obtain liquidity from their digital assets easily and quickly through our platform.

To access Loan, you simply need to register with Bit2Me and access it through our app or website.

Yes, you retain ownership of the cryptocurrencies at all times, except in the case of liquidation of the operation. The liquidation of an operation, or 'LTV price execution', will be set by default at 85% of the principal value. This means that when the ratio between the principal and the collateral reaches 85% (principal value 85 over a collateral value of 100), or when the collateral represents 117.65% of the principal loaned.

The liquidation will include a liquidation fee (due to the management and sale of the collateral at the market price at that time): 2% of the outstanding principal with a minimum of €100 in the crypto equivalent deposited as collateral.

Crypto loan simulator

Calculate and apply for your loan

Simulate your loan and instantly find out how much collateral you need and how much you will pay.

Apply for a loan now Simulate your loan