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.

Hodl Transact Earn Grow Borrow

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?

I have

BTC

I can borrow

USD

The minimum loan amount is $1,000.

Please enter at least $1,000 in USD or the equivalent in BTC.

The maximum loan amount is $5,000,000.

Please enter at most $5,000,000 in USD or the equivalent in BTC.

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.

Bitcoin Grows, As

The US Dollar

Weakens

HODL your Bitcoin, access its value now

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.

Learn more

Borrowing with Bitcoin
vs. Selling 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

SmartSmart

BorrowingCommunity

Real

EXPERIENCES

“

I took out a Bitcoin-backed loan from Xapo because it just seemed to me that to use some of your Bitcoin as collateral, but not actually lose your Bitcoin, is quite a good idea. That Bitcoin is safe in the vault. I will take out that loan again.

Mark - Gibraltar

“

The beauty of a Bitcoin-backed loan through Xapo is that you don't have to wait for the full period. I took a loan for six months and can repay it after a few months, so I have flexibility. It’s a relief.

Mohamed - Egypt

“

It was tremendously easy to get a loan from Xapo. I applied. Bing, Bing, boom. I got 10 grand!

Matias - Argentina

“

I would much rather take a loan from Xapo than from a local bank. I like that Xapo is a Bitcoin native bank.

David - Switzerland

“

Xapo does not lend members’ Bitcoin and this is reassuring because other exchanges do. I know my bitcoin is secure with Xapo.

Mohamed - Egypt

“

I was really impressed with how fast it was to take out the loan.

Vinny - Brazil

GETTING STARTED

SIMPLE

1
Open your app

2
Instant approval

3
Cash ready

1
Open your app

2
Instant approval

3
Cash ready

Join XapoBank  inminutes

Join XapoBank 
 inminutes

Become a member
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.

Learn More

Here’s what you’ll need:

01Identification

An ID or passport, plus a quick selfie for secure verification.

02Personal details

Easily verified using your mobile phone.

03Security details

We’ll safeguard your account with state-of-the-art security measures.