THE SAFEST BITCOIN LOANS

Get a bitcoin-backed loan to fund your investments or pay your expenses

UNLOCK THE VALUE OF YOUR BITCOIN

At Unchained Capital, we build products for long-term bitcoin holders. Our simple platform and live support can help you apply for a loan and get approved within one business day. Sign up and get a bitcoin-backed loan today!

How To Apply For a Loan
  • No rehypothecation

  • Multisignature custody

  • No credit checks

  • No token or membership plan

  • Same-day funding

ACCESS LIQUIDITY WITHOUT SELLING YOUR BITCOIN

Our customers borrow for everything from buying real estate to making a tax payment

CUSTODY IS KING

Security is the #1 factor you should consider when taking a bitcoin-backed loan. At Unchained Capital, we store our customers' bitcoin in dedicated addresses from our multisignature, cold storage wallet. That means no single-signature, no exchanges, and no 3rd parties are used.

A FAST AND EASY LOAN PROCESS

Loans up to $1,000,000 approved within the same business day.

STEP 1

COMPLETE LOAN APPLICATION

Fill out a secure application that only takes minutes to complete

STEP 2

SIGN YOUR CONTRACT ONLINE

Once your profile is approved, you can apply for your loan. Interest rates may vary by state.

STEP 3

RECEIVE FUNDS & MONITOR YOUR COLLATERAL

You’ll be allocated a unique address on the blockchain to monitor your collateral during the loan term.

MULTI-INSTITUTION CUSTODY AVAILABLE FOR LOANS

Three independent key holders collaborate to protect collateral

‣ Collateral is stored in multisignature addresses requiring 2-of-3 keys to spend
‣ These keys are held by you – the borrower, Unchained, and a third party key agent
‣ No one person or organization is a single point of failure

You help protect your own collateral

‣ Upload a key from your hardware wallet (Trezor or Ledger)
‣ We use this key to build your loan’s dedicated on-chain address
‣ Closing or transferring your loan? Co-sign a transaction with us to release your funds.

Recover your collateral if we disappear

‣ We plan on helping you protect your wealth for many years.
‣ In the unlikely scenario that Unchained Capital is unavailable, you will be able to recover your collateral by co-signing with our third party key agent.

We help you protect your wealth

‣ If you lose your key, we will co-sign transactions with the key agent to recover your funds.
‣ In tragic circumstances we can work with your estate to recover your funds.
‣ If you default on a loan, we will co-sign transactions with the key agent to liquidate your funds.

CRYPTO-SECURED LOANS FAQ

At Unchained Capital we pride ourselves on being transparent and delivering excellent customer service to individuals and businesses borrowing against their bitcoin.

UNCHAINED INTEREST RATES & FEES

Term Interest Rate Origination Fee Annual Percentage Rate (APR)
3-month 9.25% 0.50% 11.16%
6-month 10.00% 0.75% 11.41%
1-year 11.00% 1.00% 11.92%
2-year 12.50% 1.00% 12.90%
3-year 14.00% 1.00% 14.22%

Interest rates and fees apply to loans at 50% loan-to-value (LTV). Actual loan terms (including interest rates, origination fees, and APRs) may vary by state and loan amount.

Example loan terms: a $10,000 loan with a term of one year at an 11.00% interest rate and with a 1% origination fee would have monthly interest payments of $90.41, for a total cost of $1,184.93, with a one-time payment of $10,000 due at maturity of the loan, equating to a 11.92% APR.

Loan terms that make sense.

TERM LENGTH

3-36 Months

LOAN-TO-VALUE RATIOS

35-50%

U.S. LOAN MINIMUM

$10K+

INTERNATIONAL LOAN MINIMUM

$100K+

Actual loans terms, including the interest rates and origination fees, will vary by state.

Unchained is UNcomplicated, refreshingly simple. Top-notch customer service. Super-cold storage. Unchained conveniently facilitates the efficient use of (otherwise idle), signficiant resources (tax-favorably, in my case). A very good alternative. Truly fantastic.

- Personal Loan Customer from Arizona

Thank you very much for your timely and precise answers. I really like your professionalism and customer service. I'm impressed.

- Personal Loan Customer from Florida

PUT YOUR BITCOIN TO WORK

Apply for a crypto-secured loan in minutes.