Bitcoin-backed loans: Quick cash without selling your BTC

Life Happens, Keep Your Bitcoin.

Sometimes life takes an unexpected turn—an unplanned medical expense, a chance to invest in a business opportunity, or the need for a down payment on a new home. Don’t sell your Bitcoin to make it work. Borrow against it with Xapo Bank and get instant cash while your BTC continues to grow for the future.

Hodl Transact Earn Grow Borrow

Keep your Bitcoin and
get the cash you need with Bitcoin-backed loans

Borrow up to USD 1 million instantly with zero fees.

Your cash arrives in under a minute, ready to use through debit cards, bank, or crypto transfers. Choose from 30, 90, 180 or 365-day terms with low-interest APR, no minimum instalments, and repay anytime in USD or BTC.

*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.

The amount may vary based on your specific situation. Please check the app for more details or reach out to your Account Manager. Subject to eligibility and availability. Loans are provided by Xapo Credit Limited, a licensed moneylender under the Financial Services (Moneylending) Act 19.

Bitcoin Grows, AS

THE US DOLLAR

WEAKENS

Bitcoin has grown by 108% on average over the last 5 years

As at date of publishing.

Don’t want to miss out on Bitcoin’s long-term potential?

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. While traditional currency depreciates, Bitcoin is designed to appreciate. Keep your Bitcoin and borrow against it for true financial flexibility.

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 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  inminutes

Join XapoBank 
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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.