Get instant liquidity using your XRP as collateral, with an initial LTV of up to 50%, without selling your XRP.
Simulate how much you would receive and what collateral you need. The calculation is illustrative and depends on the market and your Space Center level.
Initial LTV
50%
Margin call from
75%
Liquidation
85%
XRP focuses on cross-border payments and fast settlement. Using it as collateral can fit if you hold this asset and need short-term liquidity.
XRP-backed loans let you fund operations or expenses without selling your Ripple network position.
If you don't have XRP (XRP) yet, you can Buy XRP (XRP) on Bit2Me.
The initial LTV for XRP is 50%. If your collateral value drops and LTV exceeds 75%, a margin call may be triggered. From 85% onward, collateral liquidation may occur.
Example: for a €5,000 loan at 50% LTV, you would need roughly €10000 worth of XRP as collateral at the current price of XRP (XRP).
Illustrative: €5,000 at 50% LTV may require collateral worth several thousand XRP depending on quote. Use the current price of XRP (XRP) and simulator for the exact amount.
Simulate the amount you need, select XRP as collateral and choose the borrowable asset you want to receive (USDC or EURC).
Review APR, required collateral and apply from the Bit2Me app. You can repay whenever you want, with no mandatory fixed term.
After applying, monitor LTV in the app. If the market moves against you, add more XRP collateral or repay part of the loan to avoid a margin call.
Fund international payments or remittances without liquidating your XRP position.
Cover euro expenses with EURC from a loan while keeping exposure to a cross-border settlement asset.
Access liquidity for trading or diversification when you expect to recover cash flow without selling XRP at a poor price level.
Related use cases: Crypto loan: liquidity without selling your portfolio, Crypto loan for the entry of your home, Crypto loan to rebalance your portfolio.
See also XRP, View all collateral assets and Space Center.
XRP offers fast transfers and low fees on its network, attractive for users with payment and remittance-oriented strategies.
Volatility in XRP can change your loan LTV. If the market drops and you do not add collateral, your XRP may be partially or fully liquidated. Review your LTV ratio regularly.
During sharp price drops you receive warnings before liquidation. Adding collateral or partial repayment are the usual ways to reduce risk.
Here you see conditions for using XRP (XRP) as collateral. On the Bit2Me Loan home you get the full product: benefits, features, simulator and risk transparency.
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.
Discount by level
It depends on the requested amount and initial LTV (50%). Bit2Me Loan calculates the required XRP based on real-time market price.
Yes. Once you repay the loan plus accrued interest, you regain full access to your XRP collateral.
If LTV exceeds risk thresholds, you may receive a margin call. If liquidation LTV (85%) is reached, part or all of your XRP collateral may be executed.
You can receive liquidity in USDC or EURC, subject to availability. The simulator shows up-to-date conditions for each borrowable asset.
APR depends on the borrowable asset, interest payment mode and your Space Center level. Use the simulator to see the rate for your case.
Yes, you can use XRP as collateral and receive liquidity in EURC or other available borrowable assets depending on product conditions.
Yes. Lock XRP as collateral and receive EURC or another available borrowable asset. The XRP amount is calculated with 50% LTV and real-time price.
Yes. Cancel anytime by paying outstanding principal plus accrued interest. There is no early repayment penalty; the simulator shows the estimated total based on term and interest mode.
Total combines requested principal, interest at your APR (mode and Space Center) and simulated term. Illustrative example: €5,000 over 12 months at 10% APR ≈ €5,500 reference; use the simulator for your case with XRP as collateral.
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