Bitcoin loans
Bitcoin-backed Loans
B2X
Collateral management
Standard
Custodied
The Ledn difference
Access funds easily
Ledn Loans are simple and accessible. All you need is the minimum $1,000 USD equivalent in BTC collateral and you are automatically approved without any further credit check required.
Fast & flexible
Loans are typically funded within 24 hours of approval, though fiat delivery may be delayed by bank processing, weekends, or holidays. They can be paid back at any time without penalties, and no monthly payments are required.
Verifiable
We are the first digital asset lending company in the crypto industry to complete a Proof-of-Reserves Attestation. Each client with a balance on the Ledn platform at the time that the procedure is performed can use a unique hashed ID to confirm that their balance is accounted for in the periodic reports.
How do Bitcoin-backed loans work?
Confidence you can count on: How Ledn protects on-platform assets
At Ledn, safeguarding assets on-platform is our top priority. We combine industry-leading security practices, transparent operations, and a proven track record to ensure your peace of mind.
Industry-leading security
Cold storage: Assets in transaction accounts are primarily held in cold storage, reducing exposure to cyber threats.
SOC 2 type 2 compliance: Our operational standards meet rigorous third-party auditing requirements, ensuring best-in-class security protocols.
Transparent risk management
Proof-of-reserves attestations: As the first in the industry to complete a proof-of-reserves attestation with a certified public accountant, we provide bi-annual verifications of asset balances.
Open Book Reports: Published monthly, these reports detail how client assets are managed, the strategies behind our yield generation, and our robust risk management policies.
Proven resilience
Survived industry challenges: Emerging stronger from the 2022 crypto credit crisis, Ledn has demonstrated resilience through rigorous risk management and innovation.
Your Crypto Loan questions answered
Crypto backed loans are a fast and convenient way to access USD denominated loans using your BTC as collateral. These loans can be disbursed in your local currency.
Ledn's bitcoin-backed loan rates start at 11.9 APR, with lower tiered rates available automatically as your loan size grows — down to 9.99% APR for loans of $1,000,000 or more. Your rate is displayed upfront before you apply, no negotiations required.
To qualify for a BTC backed loan, you only need to have a minimum of BTC collateral equivalent to 1,000 USD.
Log into our platform ledn.io, and select the “BTC-backed” option from the menu, then follow the instructions presented on the screen after clicking on "Apply for a loan".
Loans can be funded in USD, USDC or your local currency. The loan will be denominated in US dollars regardless of the currency in which it is disbursed.
Our crypto backed loans are available almost everywhere in the world, however, there are countries and states that may have certain partial or total restrictions. To find out if you are eligible, please see https://help.ledn.io/hc/en-us/p/eligibility
Yes. You can repay the loan before the maturity date without any penalties.
