Binaxity Nasdaq I-LOC: Build Nasdaq-100 Exposure with 2× Buying Power
Build tokenized Nasdaq-100 exposure with 2× buying power, a $10 minimum investment, interest-only payments, no volatility-driven margin calls, and the flexibility to redeem your position anytime.
The Nasdaq-100 gives investors exposure to many of the world’s leading technology and growth companies. But building a meaningful position typically requires significant capital upfront—and traditional methods of increasing exposure can introduce margin calls, forced liquidation, or the long-term decay associated with leveraged exchange-traded funds.
At Binaxity, we believe credit can do more than fund consumption. It can help people build assets.
That is why we are launching the Binaxity Nasdaq Investment Line of Credit, or Nasdaq I-LOC: a structured way to build tokenized Nasdaq-100 exposure with twice the buying power, interest-only payments, no volatility-driven margin calls, and the freedom to redeem your position when you choose.
A new way to build Nasdaq-100 exposure
Traditional investment credit usually starts with assets you already own. With a margin account, for example, you borrow against the equity in an existing portfolio. If the market falls and your account no longer meets the required maintenance level, you may need to contribute more capital or have part of your position liquidated.
Nasdaq I-LOC works differently.
You contribute capital, Binaxity matches your contribution 1:1 with credit, and the combined amount is used to acquire tokenized Nasdaq-100 exposure for your position.
For example, if you contribute $500, Binaxity provides $500 in matched credit. Together, the full $1,000 is used to build your Nasdaq position.
That is the central idea behind Binaxity I-LOC products: structured credit designed for long-term asset building.
Twice the buying power
Nasdaq I-LOC is built around a straightforward co-investment structure:
You provide the first half. Binaxity provides the second half.
This means every eligible contribution gives you twice the buying power you would have using your own capital alone.
A $1,000 contribution creates approximately $2,000 of Nasdaq exposure. A $2,500 contribution creates approximately $5,000 of exposure.
Binaxity’s matched portion is structured as a loan. You pay interest on the borrowed half of the position, while your own contribution is not charged interest.
Tokenized exposure through QQQx
Nasdaq I-LOC positions are represented through QQQx, a tokenized tracker linked to the Invesco QQQ Trust ETF. The Invesco QQQ Trust tracks the Nasdaq-100, an index comprising 100 of the largest non-financial companies listed on the Nasdaq Stock Market.
This gives users economic exposure linked to the performance of the Nasdaq-100 through a digital-asset structure.
Nasdaq I-LOC does not provide traditional QQQ shares in a brokerage account, individual-company shares, voting rights, or a futures contract. Instead, your position is represented through QQQx and displayed in your Binaxity dashboard.
The structure combines access to a major equity index with the operational advantages of digital assets, including fractional participation, on-chain representation, and around-the-clock position visibility.
Built without volatility-driven margin calls
One of the most important differences between Nasdaq I-LOC and a conventional margin account is how the product responds to market volatility.
Nasdaq I-LOC does not automatically issue a margin call or force a liquidation simply because the Nasdaq-100 or QQQx declines in value.
If the market falls, the value of your position can decline. However, provided your account remains current and in good standing, price movement alone does not automatically close your position or require an immediate capital top-up.
This allows long-term investors to maintain control over the timing of their exit rather than being forced to sell during a temporary market decline.
You remain responsible for monthly interest payments and all obligations under your loan agreement. Nasdaq-100 and tokenized QQQ exposure can fluctuate materially, and participants may lose part or all of their contribution.
No daily-reset decay
Leveraged ETFs can also provide amplified market exposure, but most are designed for short-term trading rather than long-term holding.
These products typically rebalance every day. Over longer periods, the combination of daily resets and market volatility can cause performance to diverge from a simple multiple of the underlying index - a phenomenon commonly referred to as volatility decay.
Nasdaq I-LOC does not use a daily-rebalanced leveraged ETF structure. Your exposure is built through a 1:1 matched investment and tracks the value of the QQQx position without a daily leverage reset.
This makes the structure better aligned with investors who want to accumulate and hold Nasdaq-100 exposure over time.
Interest-only payments on the borrowed portion
Nasdaq I-LOC starts at an annual percentage rate of 6.5%.
Interest applies only to Binaxity’s matched loan portion—not to the capital you contribute yourself. Payments are interest-only, so there is no scheduled monthly principal amortization while the position remains open.
For a position created with a $1,000 contribution and a $1,000 matched loan, interest at a 6.5% annual rate would be approximately $65 per year, or approximately $5.42 per month, before any applicable fees or rate adjustments.
The interest rate is variable and may increase if QQQx falls significantly below the reference price established when a draw is made. A decline in QQQx can therefore increase the cost of maintaining the position, even though the decline does not automatically trigger a volatility-driven margin call.
A one-time 1% origination fee applies when opening the position. There are no closing, top-up, or inactivity fees.
Start with as little as $10
Building Nasdaq-100 exposure should not require a large initial commitment.
Nasdaq I-LOC has a minimum investment of just $10, allowing eligible users to begin with a smaller position and increase their exposure gradually.
After receiving an approved credit limit, users can decide when to draw funds, how much to contribute, and how frequently to add to their position, subject to their available credit and the applicable product terms. Each new contribution follows the same matched structure: you contribute capital, and Binaxity provides an equal amount of credit.
This makes it possible to build exposure incrementally rather than committing the full investment amount at once.
A simple four-step process
Opening and using a Nasdaq I-LOC is designed to be straightforward:
1. Apply and receive a credit limit
Provide the required personal and financial information through Binaxity’s onboarding process. Applications are reviewed for eligibility, product availability, and co-investment capacity.
2. Contribute stablecoins
Once approved, contribute eligible stablecoins, including USDC or USDT. You can draw from your available credit at your own pace.
3. Binaxity matches your contribution
Binaxity provides an equal amount of credit, giving the combined position twice the buying power of your contribution alone.
4. Build and manage your Nasdaq position
The combined funds are used to acquire QQQx. Your contribution, matched loan amount, token units, position value, and payment information can be viewed through the Binaxity dashboard.
You then make monthly interest payments on the outstanding loan portion while maintaining the ability to add to or redeem the position in accordance with the applicable terms.
Digital-asset custody with MPC-based controls
QQQx positions are held within Binaxity’s digital-asset custody infrastructure.
Binaxity uses multi-party computation, or MPC, controls. With MPC-based security, signing authority is divided so that no single party can independently authorize the movement of assets.
The securities supporting QQQx are held through the xStocks and Backed provider framework and its third-party custodians. Matters relating to the underlying securities—including custody, segregation, attestations, audits, and applicable insurance arrangements—are managed at the provider level.
Transactions are also subject to applicable identity verification (KYC), anti-money-laundering controls (AML), and on-chain transaction monitoring (KYT).
Redeem when you choose
Nasdaq I-LOC is designed to give users flexibility over the timing of their exit.
You may request to redeem your QQQx position at any time, subject to the loan agreement, required identity verification, market conditions, liquidity, and Binaxity’s processing checks.
When a position is redeemed, the proceeds are first used to repay the outstanding loan principal, accrued interest, and any other applicable amounts. The remaining net proceeds are then paid to you in stablecoins.
This gives users a clear settlement process without requiring them to follow a predetermined investment schedule.
Why Nasdaq I-LOC matters
Nasdaq I-LOC expands Binaxity’s broader vision for asset-building credit.
With Nasdaq I-LOC, eligible users can:
Build Nasdaq-100 exposure with 2× buying power
Begin with a minimum investment of $10
Access a starting APR of 6.5%
Pay interest only on the borrowed portion
Add to their position over time
Avoid volatility-driven margin calls
Avoid the daily-reset decay associated with leveraged ETFs
Track their QQQx position through the Binaxity dashboard
Benefit from digital-asset custody with MPC-based controls
Request redemption when they choose
For investors with a long-term view of the technology and growth companies represented in the Nasdaq-100, Nasdaq I-LOC introduces a new way to build exposure through structured, matched credit.
Start building your Nasdaq position
Binaxity Nasdaq I-LOC is now available to qualified users in eligible jurisdictions.
If you are looking for a capital-efficient way to build Nasdaq-100 exposure with matched buying power, a low minimum investment, interest-only payments, and no volatility-driven margin calls, Nasdaq I-LOC was built for you.
Apply today and start building your Nasdaq position with Binaxity.
Disclaimers
Binaxity is not a registered investment adviser and does not provide personalized investment, financial, legal, or tax advice.
Nasdaq-100, QQQ, and QQQx values may fluctuate significantly. There is no guarantee of positive returns, and you may lose part or all of your contribution.
All investment-related information is provided for general educational purposes only and does not constitute a recommendation to buy or sell any security or digital asset.
QQQx provides tokenized exposure linked to QQQ. Participants do not receive traditional QQQ ETF shares, individual-company shares, or shareholder voting rights through Nasdaq I-LOC.
Any calculations, illustrations, or simulations are hypothetical and provided for informational purposes only. They do not represent guaranteed outcomes. Past performance is not indicative of future results.
Interest rates are variable and may change based on market conditions, asset performance, borrower characteristics, liquidity, volatility, and the applicable product terms.
Nasdaq I-LOC is available only in eligible jurisdictions. Product availability, credit limits, rates, fees, and terms are subject to change and approval.
Investment and borrowing results are shown before taxes. Tax treatment varies by jurisdiction and individual circumstances. Consult a qualified tax professional for advice specific to your situation.