How It Works
Borrow against your crypto without triggering a taxable event
Spend Without Selling
When you sell crypto, you trigger a taxable event and owe capital gains tax on any appreciation. But when you borrow against your crypto, you're taking on debt—not disposing of an asset.
This means your holdings continue to grow while you access the liquidity you need for everyday spending, major purchases, or business expenses.
Selling Crypto
- Triggers capital gains tax
- Lose future appreciation
- Permanent disposal of asset
Borrowing Against Crypto
- No taxable event triggered
- Keep your asset appreciation
- Interest may be deductible*
Get Started in 3 Steps
Deposit Collateral
Deposit BTC, ETH, XRP, or stablecoins (USDC, USDT, DAI) as collateral. Your assets remain yours—we simply hold them securely.
Get Your Credit Line
Instantly receive a credit line based on your collateral value. No credit checks, no lengthy applications.
Spend Globally
Use your premium credit card anywhere in the world. Repay flexibly with stablecoins or fiat.
Flexible Stablecoin Repayments
Even if your collateral is BTC, ETH, or XRP, you can repay your credit line with stablecoins like USDC or USDT. This gives you flexibility to manage your risk assets without selling them.
- Repay with USDC
- Repay with USDT
- Repay with DAI
- Or repay with fiat
Stablecoin Repayments for Risk Assets
Holding volatile assets like BTC or ETH as collateral? No problem. You can repay your credit line entirely with stablecoins.
This means you never have to sell your appreciating assets to pay down your balance. Keep your exposure to the upside while managing your debt with stable value tokens.
*Tax Disclaimer: The tax treatment of crypto-backed loans varies by jurisdiction. Borrowing against crypto is generally not considered a taxable event in the United States, but individual circumstances vary. Interest deductibility depends on how loan proceeds are used. Always consult a qualified tax advisor for personalized guidance.