Wirex Credit

Borrow Against Your Crypto from 4.9% APR

Access cash without selling a single satoshi. Use 60+ digital assets as collateral and receive funds instantly in USDT or USDC.

Calculate your loan

Adjust your collateral value and repayment term to see a personalised estimate.

  • No credit checks or income verification
  • Flexible terms from 6 to 36 months
  • Up to 50% loan-to-value ratio
  • Auto top-up protection against liquidations
Collateral Value (USD)$25,000.00
≈ — BTC
Term
Loan
$12,500.00
APR
4.9%
Monthly
$547.83

Amortizing estimate · Total $13,147.99 · Interest $647.99

Apply now

Low, transparent rates

Pay interest only for the days your credit line is active — no hidden fees, no setup costs.

Instant approval

Get funded in seconds, not days. No credit checks and no paperwork — your collateral is the only requirement.

Keep your crypto

Your digital assets remain as collateral, so you keep every bit of the upside if the market moves.

How it works

Get started in minutes

1

Choose your collateral

Select from 25+ supported cryptocurrencies including BTC, ETH, SOL and more.

2

Get instant approval

Receive your funds in seconds — directly into your stablecoin account.

3

Use your funds

Hold, transfer, swap or put the borrowed stablecoins to work in X-Accounts or DUO.

4

Repay any time

Close the line whenever you like. You only pay interest for the days the credit was active.

Frequently asked questions

What is a crypto-backed credit line?+

It's a stablecoin credit line secured by the cryptocurrency you already hold. You unlock the value of your digital assets without having to sell them, so you keep your long-term position intact.

Which assets can I borrow and which can I use as collateral?+

You can borrow USDT, USDC and DAI depending on your region. Accepted collateral includes BTC, ETH, SOL, AVAX, MATIC, DOT, ADA, XRP, LTC and more — the full list is shown when you open a credit line.

What is loan-to-value (LTV)?+

LTV is the borrowed amount divided by the collateral value, expressed as a percentage. For example, borrowing $100 against $1,000 of BTC is a 10% LTV. You can track LTV in real time inside the app and top up collateral if it climbs too high.

Can I repay early?+

Yes. You can close the credit line whenever you choose and only pay interest for the days it was active.

Talk to lending team