Most loans are simple: you borrow, you owe, you repay. That’s it. But Binaxity’s Investment Line of Credit (I-LOC) works differently. Every time you borrow, you’re not just taking on debt — you’re building an asset. The reason? Co-investment.

What co-investment actually means

In an I-LOC, you don’t borrow alone. You contribute a portion of the monthly investment, and the line multiplies it with extra lending power.

The ratio is risk-adjusted to your credit profile, but here’s a simple example: you put in $50, the line adds $200, and a total of $250 goes into your vault that month.

That’s the idea of co-investment: your money works harder, and you’re never just speculating with borrowed funds.

Why it matters for you

1. Skin in the game

You’re always contributing your share. That keeps incentives balanced — you’re invested in the outcome, and so are we.

2. Disciplined leverage

Instead of borrowing recklessly, co-investment keeps things structured. The leverage you get is measured, not open-ended.

3. Bigger positions, faster growth

Your $50 doesn’t just sit on its own. With co-investment, it becomes $250 working for you. Month after month, that adds up.

4. Built-in accountability

Because you’re co-investing, you’re not just “borrowing to bet.” You’re borrowing to build, step by step.

How it works in practice

• Drawdown period: For the first 12 months, you set a monthly draw amount. Each draw combines your contribution with the line’s contribution, and the full amount is invested automatically — typically within 12 hours.

• Secure custody: Assets are held with licensed custodians on institutional-grade infrastructure, so your investment is safe and accounted for.

• Repayment phase: After the drawdown period, your balance shifts to predictable monthly payments over four years. That’s when you start paying down while still holding your portfolio.

Why it’s different from margin loans

If you’ve ever looked at margin borrowing, you know it can be stressful. Prices swing, and you risk margin calls or forced liquidation.

With I-LOC, there are no margin calls. Co-investment ensures you always have equity in the game, while the repayment structure keeps things predictable. Instead of borrowing to speculate, you’re borrowing to systematically build.

What it feels like as a user

Imagine this: you decide to invest $250 each month. Instead of saving up for years to buy into Bitcoin or ETFs, you contribute $50, Binaxity lends $200, and the full $250 gets invested right away.

Twelve months later, you’ve built a portfolio much bigger than you could have on your own. And now, you’re in the repayment phase - paying down the loan while your portfolio continues to grow.

It’s like giving yourself a head start without losing the discipline of steady investing.

The bottom line

Co-investment is the engine that makes I-LOC work. It keeps leverage measured, ensures you’re always contributing, and accelerates the growth of your portfolio — all while protecting you from the chaos of margin calls.

With I-LOC, borrowing isn’t just about taking on debt. It’s about turning every dollar you put in into something bigger, more disciplined, and built for the long term.

Ready to see what co-investment could do for you? Join our waitlist today.