Bitcoin-backed loans: Quick cash without selling your BTC
Life Happens. Keep Your Bitcoin Growing.
Get instant liquidity for a house, business, or life’s surprises—while your BTC keeps growing. No selling, no missed gains, no regrets. Just fast, secure, Bitcoin-backed loans from Xapo Bank.
Get the cash you need.
Keep the Bitcoin you believe in.
Borrow up to USD 1 million instantly with zero fees.
Cash arrives in under a minute—spend via debit cards, bank, or crypto transfer
Flexible terms: 30, 90, 180 or 365 days
Low-interest APR, no minimum installments
Repay anytime in USD or BTC with no penalties for early repayment
*Subject to eligibility and availability.
*Please note that Xapo Bank members can only have one active loan at a time.
How much can I borrow with my Bitcoin?
Xapo Credit Limited is a company registered and incorporated in Gibraltar with company No. 124075. Xapo Credit Limited is licensed as a moneylender under the Financial Services (Moneylending) Act 1917 and registered as a creditor with the Gibraltar Financial Services Commission under the Financial Services (Consumer Credit) Act 2011.
Xapo Credit Limited is a company registered and incorporated in Gibraltar with company No. 124075. Xapo Credit Limited is licensed as a moneylender under the Financial Services (Moneylending) Act 1917 and registered as a creditor with the Gibraltar Financial Services Commission under the Financial Services (Consumer Credit) Act 2011.

Over the last five years, Bitcoin has grown by 108% on average, while the US Dollar has lost 17.7% of its value to inflation. Instead of selling, use your BTC as collateral to access funds quickly. It’s the smarter way to meet life’s demands without sacrificing your future.
Borrowing with Bitcoin
vs. Selling Bitcoin
Borrow with Bitcoin
as collateral
Sell Bitcoin
Retain full ownership of Bitcoin, HODL
Get liquidity AND keep the assets
Likely no taxable events generated *
Keep Bitcoin and benefit from potential future asset appreciation
Zero Fees
Protected against selling low, avoid bad market timing
Maintain a diversified portfolio with Bitcoin exposure
*This is not tax advice and your tax liability could vary depending on where you live and your personal circumstances.


USD 1,000/YEAR
Experience premium banking designed for your financial future. For USD 1,000/year, you’ll unlock world-class services that provide top-tier security, personalized support, and seamless transactions wherever you are.
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