Quick Liquidity While Holding Your Bitcoin
Life happens—whether it's a home purchase, business opportunity, or unexpected expense. With Bitcoin-backed loans, you unlock instant liquidity without selling your BTC, allowing your investment to continue appreciating.
Why Choose Bitcoin-Backed Loans?
- Retain full ownership of your Bitcoin (HODL)
- Avoid taxable events from selling crypto
- Flexible terms: 30–365 days
- Low-interest APR with zero fees
- Repay anytime in USD or BTC
How It Works
Step 1: Apply in Minutes
- Borrow $1,000–$1M (subject to eligibility)
- Funds arrive in under 60 seconds
Step 2: Use Cash Freely
- Spend via debit card, bank transfer, or crypto
- No restrictions—use for any purpose
Step 3: Repay on Your Terms
- Early repayment? No penalties
- Choose USD or BTC for settlement
Bitcoin Loans vs. Selling BTC
| Feature | Bitcoin-Backed Loan | Selling Bitcoin |
|-----------------------|---------------------|-----------------|
| Ownership retained | ✅ Yes | ❌ No |
| Tax implications | ⚠️ Likely none | ⚠️ Taxable |
| Future appreciation | ✅ Benefit | ❌ Missed |
| Fees | ❌ Zero | ❌ Exchange fees|
Real User Experiences
"I took a loan against my BTC instead of selling—my Bitcoin stayed safe while I covered emergency costs."
— Mohamed, Egypt"Repaid early with no penalties. Xapo’s flexibility saved me during a market dip."
— Vinny, Brazil
FAQs
Q: What’s the minimum loan amount?
A: $1,000 (or BTC equivalent).
Q: Can I repay early?
A: Yes, with no fees.
Q: Is my Bitcoin used for lending?
A: Not at Xapo—your collateral remains secure.
Q: How fast are funds available?
A: Under 1 minute.
Q: What’s the maximum loan term?
A: 365 days.
Start Today
- Download the Xapo Bank app
- Navigate to Loans
- Select amount/duration
- Receive USD instantly
🚀 Your Bitcoin’s potential doesn’t have to wait.