Frequently Asked Questions

We accept BTC, ETH, XRP, and major stablecoins including USDC, USDT, and DAI. Each asset has different LTV (loan-to-value) ratios based on volatility—stablecoins have higher LTVs (up to 90%) while volatile assets like BTC and ETH have lower LTVs (typically 50-65%).

Yes, you can deposit multiple assets as collateral. Your total credit line will be calculated based on the combined value of all your deposits, weighted by each asset's LTV ratio.

We're continuously evaluating additional assets. Currently, we focus on BTC, ETH, XRP, and major stablecoins to ensure security and liquidity. Sign up for our newsletter to be notified when we add new supported assets.

Yes! One of our key features is flexible stablecoin repayments. Even if your collateral is BTC, ETH, or XRP, you can repay your credit line with USDC, USDT, or DAI. This allows you to manage your debt without selling your appreciating assets.

Yes, we accept USD repayments via ACH transfer or wire transfer from US bank accounts. Fiat repayments typically take 1-3 business days to process.

No, there are no penalties for early repayment. You can pay down your balance at any time without fees. You only pay interest on the outstanding balance for the time you've borrowed.

We don't have traditional monthly payment requirements. However, you must maintain adequate collateral. If your collateral ratio falls below the maintenance threshold, you'll need to either add more collateral or repay part of your balance to avoid liquidation.

In the United States, borrowing against crypto is generally not considered a taxable event. Unlike selling, you're not disposing of your asset—you're using it as collateral for a loan. However, tax laws vary and change. Always consult a qualified tax professional for advice specific to your situation.

Interest deductibility depends on how you use the borrowed funds. If used for investment purposes or business expenses, the interest may be deductible. Personal interest (e.g., for consumer purchases) is generally not deductible. Consult your tax advisor for guidance.

A liquidation is a sale of your collateral, which may trigger capital gains or losses for tax purposes. You would report the difference between your cost basis and the liquidation price. This is another reason to maintain healthy collateral ratios.

We provide transaction history and statements that you can use for tax reporting purposes. However, we do not provide tax advice or prepare tax documents. You are responsible for your own tax compliance and should work with a qualified tax professional.

We use institutional-grade security measures including multi-signature wallets, cold storage for the majority of assets, 24/7 monitoring, and comprehensive insurance coverage. We prioritize security over convenience—we'd rather be cautious than fast.

Yes, we maintain insurance coverage for digital assets held on our platform. This covers losses due to theft, hacking, or other security breaches. Note that this is different from FDIC insurance (which covers traditional bank deposits) and does not cover market losses.

Customer assets are segregated from company operating funds. In the unlikely event of insolvency, customer funds would not be considered company assets. We maintain reserves and operate conservatively to protect customer interests.

Yes, we undergo regular security audits from reputable third-party firms. We also maintain ongoing security monitoring and have a bug bounty program for responsible disclosure of vulnerabilities.

We are headquartered in the United States and operate under applicable US federal and state regulations. We are FinCEN registered and maintain robust AML/KYC compliance programs.

We operate in compliance with applicable US regulations. We are also actively pursuing international licenses to expand our services. See our Compliance page for current licensing status and regulatory information.

Currently, our services are available to US residents. We are working on obtaining international licenses, including applications for Singapore EMI and MAS licenses, to expand our geographic availability.