Low monthly rates, zero added fees
From 0.50% a month on BTC collateral, with no arrangement fee, no origination fee and no early-repayment penalty. Interest is the only cost of the loan.
Digital Assets,
Turned into Real Value.
Keep your crypto. Borrow stablecoins.
CryptoPawn is a crypto-backed loan service — borrow against your holdings without selling them. Receive USDT or USDC, with no monthly interest payments and funding as fast as the same day.
- Registered users 3,000+ and growing!
- Total Loan Contracts $7M+ and growing!
- Interest from 0.50% / mo With BTC collateral
No obligation — we'll answer your questions before anything is signed.
Custody, infrastructure and audit
- SOC 2 Type 2 (AICPA)
Why borrow instead of sell
Three reasons people pledge rather than sell
Stablecoins in your wallet, fast
Loans are disbursed in USDT or USDC, straight to your wallet. Once the collateral is in place, funding can happen the same day.
Selling is a taxable event. Pledging is not
Disposing of crypto can trigger tax on the gain. Pledging it as collateral is not a disposal at the point of borrowing, so you raise the cash and stay fully exposed to any appreciation.
Rates & terms
From 0.50% a month.
From 0.50% a month.
Set by your collateral.
Every condition below comes straight from the contract — nothing is held back for the fine print.
Interest rate
0.50% / month
Starting rate, on BTC collateral
Set by asset: ETH 0.60% · XRP and SOL 0.70% · stablecoins 1.20% · other altcoins 1.40%. Rates may move with market conditions.
How much you can borrow
- Minimum borrowing
- $1,000+
- Same conditions for
individuals and companies
- Loan currency
- USDT / USDC
- Straight to your wallet —
JPYC available on request
For larger facilities, please get in touch.
Loan term
1 year
Full repayment from day 61
Partial repayment of the principal is available at any time.
Repayment
No monthly payments
Interest is added to your LTV
Unpaid interest is added to the outstanding balance and compounds into your LTV.
Collateral
40–90% loan-to-value
BTC and ETH 60% · stablecoins 90% · XRP, SOL and other altcoins 40%
- BTCBitcoin
- ETHEthereum
- USDTTether
XRPXRP
USDCUSD Coin
SOLSolana
LTCLitecoin
BNBBNB
ADACardano
TRXTron
DOTPolkadot
XLMStellar
LINKChainlink
SHIBShiba Inu
DOGEDogecoin
AVAXAvalanche
BCHBitcoin Cash
MATICPolygon
JPYCJPYC
XAUTTether Gold
HYPEHyperliquid
ARBArbitrum
UNIUniswap
DAIDai
TONToncoin
PEPEPepe
WLDWorldcoin
Some assets are still in preparation and will be added over time.
Run the numbers
How much could you borrow?
Move the slider to the amount you need. We'll show the collateral it takes and what the loan costs over a full year. No account required.
- Loan-to-value of 40–90%, set by asset
- No monthly interest payments
- Repay part of the principal at any time
1,000 USDC200,000 USDC
Change the collateral asset (optional)
- Collateral value required
- $62,500
- Quantity to pledge
- —
- Interest for the first month
- $188
- Balance after 12 months
- $39,813
Estimate only — not an offer of credit. Interest is added to your balance each month and compounds into your LTV, so the 12-month figure assumes no repayments. See the full loan terms.
Use cases
What people actually use it for
Liquidity, without letting go of the asset.
Plenty of crypto, no liquidity? Individuals, sole proprietors and companies all qualify — with funding possible the same day.
Personal holdings, working for your company.
A director pledges personally held BTC or ETH, and the loan is drawn in the company's name.
Keep the tax bill down. Keep the upside.
Selling can trigger tax on the gain. Pledging is not a disposal at the point of borrowing — raise the cash and keep the upside.
Tax treatment varies by individual circumstances and jurisdiction.
Security
Security is the first thing we build, not the last.
We treat the safety of the crypto we hold as the foundation of the service. CryptoPawn runs on infrastructure from Fireblocks, the digital-asset custody technology firm, including MPC (multi-party computation) and HSMs (hardware security modules) — so no single key ever sits in one place waiting to be stolen.
- Customer data protected by encryption
- Multi-factor authentication on every account
- Continuous, ongoing security auditing
From application to funding
Sign the agreement, and funding can land the same day.
-
Step01
Submit your ID
Driver's licence, passport or ID card. Companies also submit a certificate of registered matters.
-
Step02
Sign the master agreement
Completed online, start to finish.
-
Step03
Transfer your collateral
Screened on arrival, then held on Fireblocks infrastructure.
-
Receive your funds
Disbursed in stablecoins — as fast as the same day.
- Each collateral transfer goes through a transaction screening. If an asset cannot be accepted as collateral following that review, it is returned in full.
- If your address or company name changes after the master agreement is signed, please let us know.
- For corporate accounts, we require ID for the representative plus a certificate of registered matters.
Loan terms
The full contract, in plain sight
- Use of funds
- Generally unrestricted.
- Eligible collateral
- BTC, ETH, USDT, XRP, USDC, Solana, Litecoin, BNB, ADA, Tron, Polkadot, Stellar, Chainlink, SHIB, DOGE, Avalanche, Bitcoin Cash, Polygon, JPYC, XAUT, HYPE, Arbitrum, Uniswap, Dai (ERC20), TON, PEPE (ERC20), Worldcoin (ERC20).
Some assets are still in preparation and will be added over time.
- Loan-to-value
- By asset — BTC and ETH: 60% / USDT, USDC and JPYC: 90% / XRP, SOL and other altcoins: 40%.
- Interest
- By asset, per month — BTC: 0.50% / ETH: 0.60% / XRP and SOL: 0.70% / USDT, USDC and JPYC: 1.20% / other altcoins: 1.40%.
- Borrowing amount
- From 1,000 USDT or USDC.
The same conditions apply to individuals and companies alike. JPYC-denominated loans are available on request.
- Borrowing capacity
- Market value of pledged collateral × the loan-to-value ratio for that asset.
Market value is assessed as of the application date.
- Loan term
- 1 year.
- Repayment
- Interest is added to your LTV — no monthly payments required. Unpaid interest is added to the outstanding balance and compounds into your LTV.
Repay part of the principal at any time. Full repayment is available from day 61.
- Interest calculation
- Outstanding balance × monthly rate = one month's interest, added to your LTV.
One month runs from the drawdown date to the same date the following month. Interest is charged by whole month and is not pro-rated by day.
- Early repayment
- Full repayment is available from day 61 after the contract date; before that, partial repayment only.
Maximum term: 1 year from the contract date. - Liquidation
- Collateral becomes subject to liquidation if its LTV exceeds the liquidation threshold.
Liquidation LTV: 90% (95% for stablecoin collateral). Your LTV rises as interest compounds onto the balance.
- Collateral income
- Staking rewards, airdrops, hard-fork proceeds and any other rights or value arising from pledged collateral during the custody period belong to the company. We may pass some or all of it on to you at our discretion.
Eligibility & questions
Before you apply
What is CryptoPawn?
A service that lets you borrow USDT or USDC against crypto you already own, by pledging it as collateral.
Who can use it?
Individuals, sole proprietors and companies are all eligible. Identity verification is required in every case, and companies additionally submit a certificate of registered matters. With sufficient collateral, funds can be in your wallet as soon as the same day.
Which assets can I pledge?
BTC, ETH, USDT, XRP, USDC, Solana, Litecoin, BNB, ADA, Tron, Polkadot, Stellar, Chainlink, SHIB, DOGE, Avalanche, Bitcoin Cash, Polygon, JPYC, XAUT, HYPE, Arbitrum, Uniswap, Dai, TON, PEPE and Worldcoin — with more being added over time.
How do I receive the loan?
Loans are disbursed in USDT or USDC to your wallet — no bank account is required.
How much can I borrow against my collateral?
It depends on the asset: 60% of market value for BTC and ETH, 90% for USDT, USDC and JPYC, and 40% for XRP, SOL and other altcoins.
What does it cost?
Interest depends on the collateral: from 0.50% a month for BTC, 0.60% for ETH, 0.70% for XRP and SOL, 1.20% for USDT, USDC and JPYC, and 1.40% for other altcoins. There are no other fees.
What is the minimum?
From 1,000 USDT or USDC. The same minimum applies to individuals and companies alike, and JPYC-denominated loans are available on request.
How long is the term, and how do I repay?
The term is 1 year. You do not make monthly interest payments — interest is added to your outstanding balance and compounds into your LTV. You can repay part of the principal at any time, and full repayment is available from day 61.
What paperwork do I need?
A driver's licence, passport or ID card. Companies also provide a certificate of registered matters. The whole process is completed online.
Are there gas fees?
We don't charge anything for deposits or returns of collateral. Network gas fees on transfers you initiate are yours to cover.
What happens if my LTV goes above the liquidation threshold?
Your collateral becomes subject to liquidation. The liquidation LTV is 90% — or 95% where the collateral is a stablecoin.
Your LTV rises both when collateral prices fall and as unpaid interest compounds onto the balance, so it is worth adding collateral or repaying principal before you get close to the threshold.
What happens to staking rewards and airdrops?
Any rewards, airdrops or similar value arising from collateral during the custody period belong to the company. We may pass some or all of it on to you at our discretion.
How is this treated for tax?
Pledging crypto as collateral is not a sale, so it does not trigger the tax a disposal would.
Treatment depends on your circumstances and jurisdiction — please consult a qualified professional.
Who holds my collateral?
CryptoPawn is operated by BitHills Inc. Collateral is held on Fireblocks infrastructure using MPC and HSM technology.
Operating company
The company behind CryptoPawn
- Company
- BitHills Inc.
- Founded
- 24 August 2021
- Business
- Crypto-backed lending; tokenization strategy consulting; token issuance and management support; blockchain training and workshops
- Contact
- support@cryptopawn.io
Digital Assets, Turned into Real Value.
Since 2021 · Operated by BitHills Inc.
Keep your crypto.
Get the funds.
Tell us what you hold and what you need. We'll confirm your terms and what your collateral can borrow — before anything is signed.
- No monthly payments
- Same-day funding
- No bank account needed
From 0.50%/moSame-day funding
Online meeting