Don't sell your bitcoin.
Get a bitcoin-backed loan.

Borrow from 9.99% to 11.49% APR
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Over $10B in loans originated
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Collateral held with a qualified independent custodian
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Backed by Tether
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Operating since 2018 through multiple market cycles
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Monthly Open Book Report verifying assets and liabilities
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Automatic top-ups and buffer thresholds designed to 
reduce liquidation risk
Borrow today
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Ledn platform on mobile and desktop
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Bitcoin-Backed Loans, Done Right.

Ledn provides a secure and transparent way to access liquidity while maintaining your bitcoin holdings. Here’s why bitcoin holders around the world trust Ledn:
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Ledn's Founding Story

Co-founders Adam and Mauricio explain why they started Ledn

What started as a passion project with a few close colleagues has grown to a global company with 50+ employees, offering a full suite of lending, savings and trading products in over 120 countries. Ledn strives to improve the everyday lives of Bitcoin holders today, while building generational wealth for the future. Through its products & services, Ledn makes a difference in the lives and futures of its clients - in real terms.

BTC-Backed Loans

B2X Loans

A bitcoin-backed loan lets you borrow cash while holding onto your BTC—so you keep your upside and usually avoid triggering taxable events
1.

Submit your loan application

Borrow 50% of the value of your BTC
2.

Deposit your BTC

Send your Bitcoin to your loan
3.

Receive your funds

Receive USD, USDC or your local currency
With a B2X loan, you can instantly double your Bitcoin exposure using your existing holdings as collateral. Increase your BTC exposure without deploying your own fiat.
1.

Fund your account

Add BTC to your Transaction account
2.

Place your order

Your B2X loan will be executed instantly.
3.

Manage your loan

No monthly interest payments. Repay your loan at any time without penalties.

Bitcoin loan calculator

Bitcoin-backed loans are denominated in US dollars. However, they can be funded in your preferred currency.

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The minimum loan amount is $500 USD
Larger loans qualify for lower rates. Adjust the amount to see how much you can save.
10.99%
< 250,000 USD
10.49%
250,000+ USD
9.99%
500,000+ USD
9.75%
1 million+ USD
2,192 USD in annual interest savings versus the base interest rate.
CAD
USD
USDC
BTC logoUSDC Logo
Your collateral is held securely in custody with Ledn or our trusted partners – never lent out to earn interest. Learn how Ledn keeps your collateral safe
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The minimum loan amount is $500 USD
2,000,000.00 USD
Funded in USD.
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The minimum loan amount is $500 USD
60.03372 BTC
Amount required once your loan is approved.
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The minimum loan amount is $500 USD
10.45% APR
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The minimum loan amount is $500 USD
50%
Margin call at 70% LTV. Liquidation at 80% LTC.
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Oops! Something went wrong while submitting the form.
Apply now

The information shown on the calculator is hypothetical and for illustrative purposes only and does not represent a commitment to lend. Ledn Loans availability may vary based on jurisdiction. Read our Risk Disclosure Statement and Disclaimers for more information.

Loans funded in the last 90 days
$2,000,000
Interest rates from
9.99% to 11.49% APR
Median funding ETA
18 hours

Median funding ETA measures the time from loan application until funds are sent. Delivery for fiat loans may be delayed by bank processing, weekends, or holidays.

Why hodlers love Ledn

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Control Your Loan, Control Your Bitcoin

Ledn loans are designed for flexibility and peace of mind.
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With Custodied loans, collateral is not lent out to generate interest.

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No monthly payments. No payments until you close your loan.

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Repay whenever you want, without penalty.

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Loan terms are 12 months. Renew as long as your LTV is healthy.

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Top up, repay or use auto-top up to manage your LTV when BTC price is down.

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Redeem collateral when your LTV is healthy.

Your Bitcoin Loan questions answered

What is the minimum loan amount?

You’ll need at least $1,000 in Bitcoin collateral to qualify.

What are Ledn's rates for bitcoin loans?

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.

Can I repay my loan early?

Absolutely. Repay anytime before the 12-month term ends with no penalties.

Are there monthly payments?

There’s no repayment schedule. You repay your loan when it reaches the end of its term, or earlier if you choose.

What is the starting LTV?

50%

How is collateral managed at Ledn?

The collateral you post to secure your loan may only be re-posted by Ledn to a trusted institutional USD funding partner, such as a bank, credit fund or other corporate funding partner.

Collateral is held securely in segregated on-chain addresses that are verifiable by Ledn, ensuring that the collateral is legally ring-fenced from a funding partner’s assets and protected even in the unlikely bankruptcy of our funding partner.

Collateral is held securely in custody throughout the loan. Neither Ledn nor the institutional partner has the right to lend out your collateral to generate interest.

What currency can I get my loan in?

Loans are funded in USD, USDC, or your local currency, but are denominated in USD.

How do I get a Bitcoin-backed loan?

Log into ledn.io, select your type of loan from the top menu, then click "Apply for a loan".

How long does it take to get a loan?

Minutes to apply. Once approved, funding can happen same-day.

What happens if my collateral drops in value?

We’ll notify you well before any risks. You can add collateral or repay — you stay in control.

Why did Ledn issue an ABS?

At Ledn, we are constantly innovating and we want to ensure that our infrastructure continues to provide the most stable and diverse sources of liquidity for our clients. Rather than just rely on our already strong capital base to fund our investments, we chose to leverage the Asset-Backed Securities (ABS) market.

This new connection between Bitcoin holders and institutional credit markets will mean that Ledn remains the most reliable partner for your liquidity needs, backed by deep institutional capital that is independent of the volatility in the broader digital asset markets.

Is there a credit check?

Nope. Your bitcoin is your credit.

Am I eligible to use these products?

You can see which products are available to you at https://help.ledn.io/hc/en-us/p/eligibility.

Ready to Unlock Your Bitcoin’s Potential?

Apply now
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This content is being provided to you for informational purposes only and does not constitute legal, financial, investment, or tax advice nor a recommendation by Ledn to buy, sell, or hold any digital asset or product referenced in the content. Terms, conditions, and restrictions depending on your jurisdiction of residence apply to each product you choose to take out. For more information, please visit ledn.iolegal/disclaimers.html

*Once collateral is received