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?

BTC
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.

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
image
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

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.

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
IS
SIMPLE

1
Open the Xapo Bank app

2
Head to the loan screen

3
Confirm the loan amount and duration

4
US dollars arrive in your account

1
Open the Xapo Bank app

2
Head to the loan screen

3
Confirm the loan amount and duration

4
US dollars arrive in your account

Join XapoBank
in
minutes
Join XapoBank
in
minutes
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.

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.

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Insider

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