Building substantial wealth in Bitcoin requires discipline and long-term vision. To ensure you never have to compromise that strategy, Xapo Bank’s Bitcoin-backed loans allow you to unlock major capital on demand without liquidating your assets, keeping all future upside entirely intact. This updated lending facility features pre-approved limits up to $5M USD and higher caps for eligible members, coupled with highly competitive ~10% variable interest rates and robust security – all without ever rehypothecating your assets.
The HODLer’s Dilemma
Bitcoin adopters understand the value of a long-term strategy. Building wealth in BTC means holding through volatile market cycles and maintaining unerring conviction. Yet, significant real-world opportunities still require readily accessible fiat liquidity. Whether you are funding property acquisitions, expanding a business, making major purchases, or covering unforeseen expenses, selling your BTC to generate cash breaks your investment thesis. It creates an unnecessary conflict between your immediate financial ambitions and your long-term wealth preservation goals.
The Core Benefits of Borrowing Instead of Selling
By borrowing against your Bitcoin, you unlock necessary capital whilst maintaining total exposure to future price appreciation. You never realise a gain, which may allow you to optimise the immediate tax liabilities inherently associated with liquidating your assets. Your wealth remains intact and positioned for growth, working in the background whilst you deploy the funds required for your lifestyle today.
Borrowing the Xapo Way: Fast, Fair, and Transparent
Xapo’s Bitcoin-backed loans take standard lending a step further, with unique benefits built on a robust foundation of security and accessibility. Because we assess your application based on your collateral rather than traditional credit checks, you move from application to funded account in moments.
Your loan comes with zero setup fees, zero origination costs, and absolutely no hidden administrative charges. We offer conservative borrowing ratios of up to 40% Loan-to-Value (LTV), ensuring your position maintains a safe buffer against market fluctuations.
Crucially, we protect your collateral with uncompromising security. Xapo Bank enforces a strict no-rehypothecation policy. We do not trade, reuse, or lend out your Bitcoin to generate yield. It stays securely segregated in our proprietary Vault, safeguarded by military-grade Multi-Party Computation (MPC) cryptography.
Total Control: Tailor Your Loan to Your Needs
Your credit facility should allow you to access liquidity and take full advantage of its benefits with flexible terms and customisability. Xapo’s updated features have been built with long-term strategies in mind, perfectly tailored for the needs of BTC holders navigating four-year market cycles and life on the Bitcoin Standard.
Upsize: Increase your borrowing power instantly as the value of your Bitcoin appreciates, accessing more capital without the friction of submitting a new application.
Unlock collateral: Improve your capital efficiency. When market movements are favourable, you can release and withdraw surplus Bitcoin from your loan back into your primary wallet.
Extend and roll over: Manage your timeline effortlessly by extending your loan whenever you need to.
Get the Liquidity You Need Today
Preserve your Bitcoin strategy whilst accessing the capital required to fund your next major move. Experience high-limit liquidity, institutional-grade security, and a fee structure designed entirely in your favour.
Log in to the Xapo Bank app today to view your pre-approved limit and secure your funding in seconds, or apply for membership to unlock your Bitcoin's true potential.
